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OSLA Student Loan Login: How To Manage Your OSLA Account

    As a student loan borrower, it’s important to know who your loan servicer is. One federal student loan servicer is the Oklahoma Student Loan Authority, or OSLA. If you have a federal student loan, OSLA might be your servicer. However, the OSLA Student Loan Login portal allows you to manage your OSLA Student Loan account online.

    Read our free downloadable guide carefully and completely. It contains important information that should answer most of your questions about accessing and managing your OSLA Student Loan account. You will get the latest information on your student loans. Keep in mind, though, that like this website, it only gives general information. It is not the law. It is not a regulation. It is not legal advice.

    What You Should Know About OSLA

    The Oklahoma Student Loan Authority, or OSLA, is one of seven companies that service federal student loans by collecting and tracking payments. If OSLA is your student loan servicer, here’s what it can help you do.

    • Register for online access to your account. Once you have access you can contact OSLA, access your monthly billing statements and pay bills.
    • Enroll in autopay. OSLA can deduct your payments automatically from your bank account. Signing up for autopay will reduce your interest by 0.25 percentage point.
    • Sign up for income-driven repayment. You can request income-driven repayment, which limits your student loan payments to a percentage of your income, by completing a paper form with OSLA. (You can apply online on studentaid.gov and then recertify your income each year online as well.)
    • Process deferment and forbearance requests. OSLA can help you temporarily stop making payments or reduce your payment amount if you qualify. This helps you stay in good standing to avoid default. But during any periods of deferment or forbearance, interest can continue to build.
    • Process monthly payments and extra payments. OSLA will track and collect your payments. If you want to make additional payments, you can instruct OSLA (online, by phone or by mail) to apply extra payments to your current balance. Otherwise, it may apply the additional amount to next month’s payment instead.

    OSLA Student Loan Login Steps

    OSLA Services two types of student loans. However, If you find out your federal student loans are serviced through OSLA, you need to make sure you’re set up to make payments. First, check to see whether your federal student loans were made under the FFEL program or the Direct Loan program. The FFEL program was discontinued in 2010, so newer loans are likely under the Direct program.

    1: Direct Loans: These loans are owned by the Federal Government and serviced by OSLA. If your account number begins with the letter F or number 8, followed by nine numbers, then your loan is a Direct Loan. Example: F800112200.

    Follow the steps below to log in to your direct loan account

    OSLA Student Loan Login: How to log in to your direct loan account

    Step 1: Go to the OSLA Student Loan Login page: https://public.osla.org/Accountlogin.aspx

    Step 2: Upon reaching the OSLA Student Loan login page, click on “LOGIN TO YOUR DIRECT LOAN ACCOUNT” and provide your provide your Username followed by your password in the blank spaces below and then press “Log In”. If the particulars entered are correct you will also be taken to your account dashboard.

    If you’ve entered your password incorrectly for three attempts, you’ll be locked out of your account for one hour to protect your account information. You must wait one hour before attempting to log in again, or you can reset your details. If you are a new user, you can register for online access.

    Once you’re logged in, you can make a one-time payment or set up recurring payments. It’s also possible to send in checks to pay your loans. However, setting up automatic payments might be one way to help you stay on track and avoid missing your payments.

    2: Federal Family Education Loan Program (FFELP) Loan: These loans are privately owned and serviced by OSLA. If your account number begins with a Zero and has no alphabetic characters then your loan is a FFELP Loan. Example: 012345678

    Follow the steps below to log in to your Federal Family Education Loan Program (FFELP) Loan

    Step 1: Again, go to the OSLA Student Loan Login page: https://public.osla.org/Accountlogin.aspx

    Step 2: Upon reaching the OSLA Student Loan login page, click on “LOGIN TO YOUR FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP) LOAN” and provide your provide your UserID in the blank spaces below and then press “Log In”. If the particulars entered are correct you will also be taken to your account dashboard. If you are a new user, you can Enroll Now for online account.

    To protect the privacy and the security of your personal information, OSLA have improved the way you log in to their Account Access Center with new security features. Here is how it works:

    1. The first time you log in to the new system, you will initially enter only your User ID. The system will have you choose three Challenge Questions.
    2. Next you will go through a process to choose a Security Image and Phrase.
    3. After this process is complete, as the last step, you will enter your Password. These three items will identify that you are actually on the official OSLA Web site, not a fraudulent look-alike site. These items will be known only to you; the OSLA staff will not have access.
    4. The next time you log in, and thereafter, you will enter your User ID and then will be asked one of your Challenge Questions. If you answer correctly, you will be shown your Security Image and Phrase. If, and only if, you recognize your Security Image, Phrase and Challenge Question, can you safely enter your Password. If you do not recognize them, DO NOT enter your Password. If this happens, contact OSLA immediately to report the problem.

    If, for some reason, you forget your Password or User ID, OSLA staff cannot tell you what it is. To help protect your account information, they do not have access to this information. Your account will need to be reactivated and you will need to recreate your Challenge Questions, Security Image and Phrase, and choose a new Password.

    Once you’re logged in, you can make a one-time payment or set up recurring payments. It’s also possible to send in checks to pay your loans. However, setting up automatic payments might be one way to help you stay on track and avoid missing your payments.

    Student Loan Login

    How to Reach OSLA Customer Service

    OSLA Phone number:
    866-264-9762

    OSLA Hours of operation:
    Monday – Friday, 8 a.m. – 5 p.m. CT

    OSLA address for loan payments: 

    U.S. Department of Education – OSLA
    P.O. Box 4278
    Portland, OR 97208-4278

    OSLA address for general correspondence: 

    OSLA
    P.O. Box 18475
    Oklahoma City, OK 73154-0475

    OSLA website:
    public.osla.org

    OSLA email:
    DLcustserv@osla.org

    OSLA social channel:
    OSLA Facebook

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