Direct Loans Customer Service

Phone Number & Contact Info

Direct Loans's Best Phone Number

Toll-free·Calls Customer Service·Most popular Direct Loans number

How do I talk to a live human at Direct Loans?

A:Enter social security number, birthday in MM/DD/YEAR format, then 5 digit zip code and press 0

Does Direct Loans offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Wednesday, and the most busy day is Tuesday.

How long will I wait on hold?

A:The average hold time is 4 minutes. The longest hold times are on Monday, and the shortest are on Thursday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Direct Loans phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Enter social security number, birthday in MM/DD/YEAR format, then 5 digit zip code and press 0

What are the hours and when should I call?

Direct Loans operates the call center for this 800-848-0979 phone number 24 hours, 7 days. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 92 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Direct Loans phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Direct Loans staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Direct Loans is Wednesday. The most busy day to call is Tuesday. Again, this is based on a sample of 92 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Thursday. The longest wait in the queue on average occurs on Monday.

The best time to call Direct Loans

In summation, the best day to call Direct Loans is Wednesday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Direct Loans staffs the call center well on Wednesday.

Why Customers Call Direct Loans

If you have time to do a bit of reading before you call Direct Loans, we recommend you read over some of our problem-specific articles.

What are Direct Loans?

Direct Loans are federal student loans provided by the U.S. Department of Education to help cover the cost of college or career school. These loans are obtained directly from the federal government, as opposed to private lenders. Direct Loans have various types, including subsidized and unsubsidized loans, PLUS loans for parents, and Direct Consolidation loans. Subsidized Direct Loans are need-based, with the government covering the interest while the borrower is in school, during the grace period, and certain deferment periods. Unsubsidized Direct Loans are not need-based and accrue interest throughout the loan term. With Direct Loans, students can borrow directly from the government, with interest rate and repayment terms generally more favorable compared to private loans. The repayment plans can be customized based on the borrower's income, providing flexibility after graduation. Direct Loans serve as an accessible and affordable option for students pursuing higher education.

Who is eligible for Direct Loans?

To be eligible for Direct Loans, you must meet certain criteria. Firstly, you must be a U.S. citizen or an eligible non-citizen. Secondly, you must be enrolled at least half-time in an eligible program at a participating school. Thirdly, you cannot be in default on any previous federal student loans. Additionally, male applicants must register with the Selective Service System, unless they meet certain exceptions. You should also maintain satisfactory academic progress in your respective program. Finally, financial need is not a requirement for Direct Unsubsidized Loans, but it is for Direct Subsidized Loans. By meeting these eligibility requirements, you can apply for and potentially receive Direct Loans to assist with your educational expenses.

What options are available for loan forgiveness for Direct Loans?

There are several options for loan forgiveness available for Direct Loans. One such option is Public Service Loan Forgiveness (PSLF), which forgives the remaining loan balance after making 120 qualifying payments while working full-time for a qualifying employer. Another option is Teacher Loan Forgiveness, which forgives up to $17,500 of Direct or FFEL Subsidized or Unsubsidized Loans for those who teach full-time in low-income schools for five consecutive years. Borrowers may also be eligible for Income-Driven Repayment (IDR) plans, where their monthly loan payments are based on their income and family size, and any remaining loan balance after a certain repayment period may be forgiven. Additionally, borrowers facing delinquency or default may qualify for loan forgiveness through the Department of Education's Defaulted Loan Rehabilitation Program.

Top Direct Loans customer service problems

Click the link above to get answers to just about any Direct Loans customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.

Conclusion and closing notes

This is Direct Loans's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Direct Loans agent. This phone number is Direct Loans's best phone number because 552 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-848-0979 include Request a loan, Eligibility question, Repayment question, Overcharge/Strange charge, Extension and other customer service issues. Rather than trying to call Direct Loans first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone. In total, Direct Loans has 1 phone number. It's not always clear what is the best way to talk to Direct Loans representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Direct Loans. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Direct Loans. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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