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Help Center

Access your account by clicking Log In from the home page. 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:

  • Apply online for deferments or forbearances.
  • Reset your own password.
  • Access our convenient and secure online message system for monthly statements and correspondence.
  • Access real-time information easily while logged into your account with the confidence of knowing it is password-protected and confidential.
  • Never worry about a misplaced statement and have statements automatically filed electronically for you.

  • Access information easily while logged into your account.

  • GSM&R statements and account information is available in real-time.

  • Information will be stored with the confidence of knowing it is password-protected and confidential.

  • Online statements are quick and easy to access and good for the environment as the need for paper statements is eliminated.

  • Note: Please add this trusted contact to receive emails related to your online student loan account.

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.

Please click the Create Account link on the 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.

Make a one-time electronic payment via a checking or savings account. All payments must be received by 4:00 p.m. (Eastern) on business days to be effective the same day. Business days do not include weekends. Payments made after 4:00 p.m. (Eastern) or on weekends will be effective the next business day. Loan activity and reporting may continue to occur during this time, including interest accrual. Interest accrues daily and will continue to accrue between the receipt date and the effective date for loans in the applicable loan status.

Log in to Manage My Account to get started. For a summary of all payment options, visit Manage Your Payment Options.
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:
  1. After the Borrower has logged into the Manage My Account section, click the settings button (labeled with your name), then Authorized Payers.
  2. Select Add Authorized Payer to set up a username and password for anyone you would like to be an authorized payer on your account.
  3. Authorized Payers will then log in with the username and password created by the Borrower.
Cosigners have the option to apply payments to only the loans they have cosigned. If mailing a payment, please follow the instructions on the payment coupon to indicate to which group(s) the payment should be applied.

If paying by phone, simply let the representative know the appropriate group and the payment will be applied as requested.

Additionally, the primary borrower can establish you as an Authorized Payer so you can make online payments.
 
Access your account by clicking Manage My Account from the home page. Once logged in to Manage My Account, to view your payment history, click Payments then History.
Download a summary letter through Manage My Account (MMA). This will provide your current balance information. You can also view your payoff information through Manage My Account. If you need a payoff statement for a future date, please contact us.
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.
A different repayment plan may make managing your monthly payments easier. 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 27th 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.
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. 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.
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.
Complete and return the Account Information Release form.
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.
Please contact GSM&R to make sure your loan status is correct or send us a letter stating your last date of enrollment.

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.

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.
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, U.S. Certificate of Naturalization (Form N-550 or N-570), court order, court decree, marriage certificate, U.S. Passport or U.S. Passport Card, U.S. Military discharge papers (Form DD214), U.S. 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 2097
Concord, NH 03302-2097
Fax: 603.227.5401
Telecommunications Relay Service (TDD/TYY) is also available: Dial 711
For blind and visually impaired alternative format requests, please contact us at 800.719.0708.
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.
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.
To be eligible for cosigner release, the borrower must meet applicable credit and payment conditions. For additional information specific to your loan type, please contact us.
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.
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 you would prefer to receive your statement electronically, please log in to Manage My Account and sign up for eStatements.

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.
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.

Granite State Management and Resources reserves the right to modify or cancel its programs at any time.