You may have federal loans in addition to those serviced by Granite State Management & Resources. Get the details on all of your student loans and student loan servicers online through the Department of Education's National Student Loan Data System at nslds.ed.gov. You’ll need the same Federal Student Aid ID used to file FAFSA® to access your Federal Student Aid records online.
Access your account by clicking Manage My Account from the homepage. If you are a first time visitor to our site, please complete the steps for online account access. You will need to have your nine-digit account number to create your account; your nine-digit account number can be found on your monthly statement.
Through Manage My Account you can:
A parent or other third party can quickly and easily make a payment on an account online once they have been established as an Authorized Payer. The Borrower must follow these quick steps to establish an authorized payer:
A different repayment plan may make managing your monthly payments easier. Repayment plans include Income-Based, Pay As You Earn, Revised Pay As You Earn, Income-Contingent, Income-Sensitive, Standard, Graduated, and Extended repayment plans. Federal student loans have many ways to lower or postpone payments, depending on your circumstances. If you have any trouble making your payments, or even if you are already behind on payments, contact us. We're here to help.
The deferment and forbearance options available to you depend on when you took out your first loan and what type of loan(s) you have. The maximum length of your deferment or forbearance will depend on your situation, the type of deferment or forbearance you have applied for, and the attributes of your loan. A different repayment plan may make managing your monthly payments easier. Repayment plans include Income-Based, Pay As You Earn, Revised Pay As You Earn, Income-Contingent, Income-Sensitive, Standard, Graduated, and Extended repayment plans. Federal student loans have many ways to lower or postpone payments, depending on your circumstances. If you have any trouble making your payments, or even if you are already behind on payments, contact us. We're here to help.
If your account is not delinquent, you may request to change your payment due date to any dates between the 1st and 28th of the month. (The payment date cannot be the 28th, 29th, 30th, or 31st of the month.) To request a change to your payment date, contact us.
Make a one-time electronic payment via a checking or savings account. Payments made before 4:00 p.m. (Eastern) on business days will be posted the same day. Payments made after 4:00 p.m. (Eastern) or on weekends and holidays will be posted the next business day. Log in to Manage My Account to get started. For a summary of all payment options, visit Manage Your Payment Options.
Access your account by clicking Manage My Account from the homepage. Once logged in to Manage My Account, to view your payment history, click Payments then History.
Complete and return the Account Information Release - FSA form.
You can conveniently download a mortgage credit reference online by logging in to Manage My Account and clicking Documents, Inbox and Documents, then Loan Summary/Mortgage Verification.
If you currently receive electronic statements, you will need to log on to your account and create a profile. If you have not already done so, you will be prompted to choose whether to receive electronic statements. If you accept this then you will continue to receive electronic statements, if you choose not to you will start receiving paper statements.
Sometimes automated replies are auto-directed to a junk or spam folder within your mailbox. Please be sure to check all of your email folders. You should add this trusted contact to ensure these emails reach your Inbox.
Current and prospective borrowers are entitled to receive any student loan related communication or document in an accessible, alternative format. Borrowers interested in receiving student aid forms, student loan statements, notices, written communications, and publications in alternative formats should contact us directly at 888.556.0022 or by email at AccessibilityRequests. GSM&R offers various alternative formats such as Braille, large print, audio CD, and digital navigable formats supported by computers and digital talking-book players, delivered through data CD, email, or other electronic means.
When you provide cell phone consent on your account, you provide GSM&R consent to contact you on your cell phone number with our automated dialing equipment or artificial prerecorded voice or text messages. This consent allows us to contact you regarding important information related to your loan(s), including the status of any requests you make, or the repayment of your loan(s).
Your consent will remain active unless GSM&R receives a request from you to revoke this consent. To find out if you have provided cell phone consent on your account, update your phone number, or revoke your consent, please contact us.
Yes. Use your education loan to build a good credit history. Your servicer reports the status of your loan regularly to national credit bureaus. Credit information stays on your credit report for at least 7 years. It is your responsibility to make your payments on time, or to contact your servicer and complete any necessary paperwork ahead of time if you will be unable to make a payment.
Yes. There is no prepayment penalty. You can make large lump sum payments, pay extra on your loan payments or pay the entire loan in full.
Student loans, in most cases, are not dischargeable under bankruptcy laws. Contact us before filing bankruptcy so we may work with you to identify possible temporary solutions.
Your monthly statement is sent approximately 3 weeks prior to your due date. If your account number begins with "F8," review the Monthly Billing Statement Guide (Accessible Version) for additional information. If you would prefer to receive your statement electronically, please log in to Manage My Account and sign up for eStatements.
Please click the Sign up now link on the gsmr.org home page and complete the steps. You will need to have your nine-digit account number to create your account; your nine-digit account number can be found on your monthly statement.
Loans are reviewed annually to ensure that the impact of changing interest rates will not impact the amortization schedule of the loan. By doing this, loans are paid off within the term established and without the surprise of a large final payment. Customers are notified of payment changes.
You will need a court order, marriage certificate or Certificate of Naturalization.
You will need one of the following documents; a social security card, current driver's license, birth certificate, state ID, US Certificate of Naturalization (Form N-550 or N-570), court order, marriage certificate, W-2 form, passport, unexpired US Military ID, US Military discharge papers (Form DD214), US Certificate of Citizenship (Form N-560 or N-561), or an alien registration card (Form I-551 or I-151).
You can submit your name change documentation by sending your forms to:
Granite State Management & Resources
PO Box 3420
Concord, NH 03302-3420
Telecommunications Relay Service (TDD/TYY) is also available: Dial 711
For blind and visually impaired alternative format requests, please contact:
Email Us or 888-556-0022 (select accessibility option).
The deferments available to you depend on when you took out your first loan and what type of loan(s) you have. Congress has changed deferment types over the years, so some loans have different deferments available than other loans. Even if there isn't a deferment available, contact us regarding what other options may be available to help you with repayment.
You may be able to defer your loans. Contact your servicer for a deferment or other options available to you. Once you cease attendance, repayment will resume immediately. You will not receive another grace period.
Please contact GSM&R to make sure your loan status is correct or send us a letter stating your last date of enrollment.
Unsubsidized Stafford, parent PLUS, graduate PLUS, TREE℠, LEAF℠ and EDvestinU® loans will always accrue interest, whether the loan is on deferment, forbearance or in repayment. Subsidized Stafford loans will accrue interest during repayment and times of forbearance; they will not accrue interest during any type of deferment. Any unpaid interest at the end of a deferment or forbearance will be capitalized onto the loan.
GSM&R needs to know whenever you change schools; do not rely on your school to automatically notify GSM&R of any enrollment changes. Please call our Customer Service department to speak with a representative about your options.
Granite State Management and Resources reserve the right to modify or cancel its programs at any time.