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Granite State Management & Resources has Transferred the Servicing of Student Loans

As of October 21st, all open loans previously serviced by Granite State Management & Resources (GSM&R) have been transferred to a new servicer. Your loans have not been sold. The lender and holder of your loans will continue to be Granite Edvance (formerly named New Hampshire Higher Education Loan Corporation (NHHELCO)). While the lender and holder of your loans remains the same, the organization servicing your loans has changed. 

What does that mean? If you have any questions or need assistance with your loans, you should contact your new servicer. GSM&R will not be able to assist you in most instances. 

Who to Contact?

Borrowers with Federal Family Education Loan Program loans (FFELP) should contact Nelnet. They can be reached:

  • Via phone at 888-486-4722. Nelnet is available:

Monday 8:00 a.m. - 9:00 p.m. ET

Tuesday and Wednesday 8:00 a.m. - 8:00 p.m. ET

Thursday and Friday 8:00 a.m. - 6:00 p.m. ET


Borrowers with Private Education Loans (TREE, LEAF, and/or EdvestinU) should contact Firstmark Services (a division of Nelnet Servicing, LLC). They can be reached:

  • Via phone at 844-399-7535. Firstmark Services is available:

Monday - Friday 8:00 a.m. - 9:00 p.m. ET


Borrowers with Federal Direct Loans should contact EdFinancial Services. They can be reached:

  • Via phone at 855-337-6884. EdFinancial Services is available:

Monday 8:00 a.m. - 9:00 p.m. ET

Tuesday and Wednesday 8:00 a.m. - 8:00 p.m. ET

Thursday and Friday 8:00 a.m. - 6:00 p.m. ET


Borrowers with FFEL and/or Private Education loans that were paid in full prior to October 21st, 2023, should contact GSM&R for information.

  • Via phone at 877-532-5539. GSM&R is available:

Monday - Thursday 8:00 a.m. - 8:00 p.m. ET

Friday 8:00 a.m. - 6:00 p.m. ET