4 Things You May Not Know About Authentication

To authenticate you need to give your name, date of birth and account number or social.  Here are some other facts you may not know about authentication with your student loan servicer.

1. Exactness counts

The name you give has to match the name on your account.  If you have a suffix but not one listed on your account, to authenticate you list your name without the suffix.  If you change your name, as long as you give the name it is listed under you are fine.  The best way to avoid any discrepancy though is send in any information (such as a birth certificate, social security card, etc) to your servicer to make your servicer’s name matches what you use day to day.

2. You may be able to get information about another person’s loans

If you are a parent, student on a Parent PLUS loan or spouse, you can call  in and get information on the borrower’s loan if their loan is eligible and you can provide the borrower’s full name (including middle initial), date of birth, and social security number   In addition if you do not qualify under these standards the borrower can send in an authorization form to authenticate you.  There are no other situations (other than Power of Attorney) when you can receive information on the borrower’s account.

3. The online account is still off limits no matter what (with one exception)

Even if you are given an authentication form or qualify as an Immediate Family Member, you are only able to receive information about the loan.  Only the borrower can make changes to the account and only the borrower can still be on the online account.  The only exception is if you are the borrower’s Power of Attorney.

4. If all else fails have the borrow give you permission for that one time

The borrower can always call in and give one time permission for the servicer to speak to someone.  This is especially helpful if you are speaking to a mortgage company or have a friend that is there to help with a specific issue.  The borrower can still be the only one to make changes though.  The borrower is not allowed to give one time permission for someone else to make changes.