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What to expect with Granite State Management student loan servicing

How repayments work and common pitfalls to avoid.

Granite State Management works with both federal and private student loans. It’s part of the New Hampshire Higher Education Assistance Foundation (NHHEAF) Network, which also includes private lender EDvestinU — though it services loans across the country.

It’s not the most web-friendly servicer, however, so you might have more luck reaching out to customer service over the phone.

How repayments work with Granite State Management

There are multiple ways you can make your monthly student loan repayment through Granite State Management. Unless you’re paying by check, money order or directly through your bank account, you need to have your account and routing number on hand before you get started.

Automatic debit

The easiest way to make payments to Granite State Management is through automatic debit — and you might be eligible for a rate discount. This involves signing up to have your payments automatically deducted from your bank account each month.

You can sign up for automatic debit by signing into your online account, selecting Payments and following the steps to register your bank account.

Manage my account (MMA) payments

The second-easiest way to make a payment is by logging into your account, selecting Payments and following the directions to make a one-time payment. If you make a payment before 4 p.m. ET, it’ll be processed the same day. Otherwise, it’ll be processed the next business day.

Online bill pay

You can use your bank’s online bill pay service to make payments on your student loans to Granite State Management. There are two different addresses you need to make your payments out to depending on your account number.

Accounts starting with C7
Pay to: GSM&RPayment address:GSM&R
PO Box 9560
Manchester, NH 03108-9560
Accounts starting with F8
Pay to: US Department of EducationPayment address:US Department of Education
PO Box 105291
Atlanta, GA 30348-5291
Phone payments

Granite State Management also has an automated phone service that allows you to make payments at any time. There are different phone numbers depending on your account number:

  • Accounts starting with C7: 800-719-0708
  • Accounts starting with F8: 888-556-0022

You should receive a confirmation email once your payment has gone through.

Mail paymentsYou can also send a check or money order to Granite State Management. Make sure you include your account number on the check and send it out between five and seven days before it’s due.

Where to mail regular payments

Accounts starting with C7:

Granite State Management & Resources
P.O. Box 9560
Manchester, NH 03108-9560

Accounts starting with F8:

US Department of Education
P.O. Box 105291
Atlanta, GA 30348-5291

Where to mail defaulted payments

Accounts starting with C7:

Granite State Management & Resources
P.O. Box 877
Concord, NH 03302-0877

Accounts starting with F8:

US Department of Education
P.O. Box 5609
Greenville, TX 75403-5609

In personIf you happen to be in New Hampshire, you can drop off payments in the mailbox outside of its Concord office at:

Granite State Management & Resources
3 Barrell Court
Concord, NH 03301-8543

How can I pay off my loan early?

Granite State Management doesn’t provide specific instructions for how to prepay your student loan, though you are allowed to make payments ahead of time with no penalty.

Contact customer service for specific instructions to prepay your student loans.

How to contact customer service

Granite State Management has different departments that handle different types of student loans. Look at your account number to find out which department to contact.

Accounts starting with C7

Over the phone
  • Toll-free: 800-791-0708
  • Telecommunications Relay Service (TDD/TYY): Dial 711 after calling the toll-free number

Granite State Management’s phone lines are open Monday through Friday from 8 a.m. to 6 p.m. ET.

Send mail

Mail all questions and nonpayment correspondence to the following address:

Granite State Management & Resources
P.O. Box 2097
Concord, NH 03302-2097

By faxFax all documents to 603-227-5401.

In person

Stop by to ask questions from 8 a.m. to 4:30 p.m. on weekdays. Or leave any documents in the mailbox outside if you can’t make its office hours. Here’s the address:

Granite State Management & Resources
3 Barrell Court
Concord, NH 03301

Accounts starting with F8

Over the phone

  • Toll-free: 888-556-0022
  • Telecommunications Relay Service: Dial 711 after calling the toll-free number

Send mail

Mail any correspondence other than payments to the following address:

Granite State Management & Resources
P.O. Box 3420
Concord, NH 03302-3420

By fax

Fax all documents to 603-227-5415.

In person

Drop by its Concord office to ask questions from 8 a.m. to 4:30 p.m. on weekdays, or leave any documents in the mailbox outside after 5 p.m.

Granite State Management & Resources
3 Barrell Court
Concord, NH 03301

How to refinance my Granite State Management student loans

You can refinance your Granite State Management student loans with another from a private lender with a different rate, term and servicer. It’s the only way to switch up your servicer if you have a private loan and one of three options for federal loans.

Borrowers with federal loans might want to think carefully before refinancing, though. You stand to lose several benefits like eligibility for certain forgiveness and income-based repayment plans as well as flexible deferment options. If you plan on taking advantage of these benefits, you might want to consider applying for a Direct Consolidation Loan or Public Service Loan Forgiveness (PSLF) instead.

If you want to change up your servicer, avoid refinancing with EDvestinU — it’s also part of the NHHEAF Network and uses Granite State Management as its servicer.

Compare student loan refinancing options

Explore your options by APR, minimum credit score, loan amount and loan term. Select the Get started button to start an application with a specific lender.

Name Product APR Min. Credit Score Loan amount Loan Term
Purefy Student Loan Refinancing (Variable Rate)
1.88% to 5.54%
$5,000 - $300,000
5 to 20 years
Refinance all types of student loans — including federal and parent PLUS loans.
Credible Student Loan Refinancing
1.80% to 7.74%
Good to excellent credit
Starting at $5,000
5 to 20 years
Get prequalified offers from top student loan refinancing providers in one place.
SoFi Student Loan Refinancing Variable Rate (with Autopay)
1.74% to 6.59%
Starting at $5,000
5 to 20 years
A leader in student loan refinancing, SoFi can help you refinance your loans and pay them off sooner.
Splash Financial Student Loan Refinancing
1.74% to 6.15%
Starting at $7,500
5 to 25 years
Save on your student loans with this market-leading newcomer.
Education Loan Finance Student Loan Refinancing
1.86% to 6.01%
Starting at $15,000
5 to 20 years
Lower your student debt costs with manageable payments, affordable rates and flexible terms.
Earnest Student Loan Refinancing
1.74% to 5.74% APR with autopay
$5,000 - $500,000
5 to 20 years
Get a tailored interest rate and repayment plan with no hidden fees.
Supermoney student loan refinancing
Starting at 1.9%
No minimum credit score
$5,000 - $300,000
5 to 20 years
Compare options to combine both private and federal debts into one monthly payment.

Compare up to 4 providers

How to avoid common problems with Granite State Management

Granite State Management itself doesn’t have many online reviews as of December 2018 — but several of the complaints filed against the NHHEAF Network involve the student loan servicer.

The NHHEAF Network Organizations closed 28 complaints with the Better Business Bureau (BBB) over the past three years, and Granite State Management customers filed 90 complaints with the Consumer Financial Protection Bureau (CFPB).

Here are two top complaints to watch out for with Granite State Management:

1. Credit report errors

One of the top complaints against Granite State Management is that it incorrectly reported information to the three main credit bureaus, hurting borrower’s credit scores.

Several borrowers claimed it accidentally reported that they’d filed for Chapter 13 bankruptcy. Others complained to the CFPB that the servicer was trying to collect on a loan they’d already closed.

  • How to avoid it: While you can’t prevent Granite State Management from making a clerical error, you can correct it as soon as possible by signing up for credit alerts — many banks and credit card issuers offer this. You might also want to regularly check your credit reports for errors and contact Granite State Management if you notice anything wrong.

2. Trouble applying for deferment

Several borrowers also reported having difficulty applying for deferment through Granite State Management. Some said they’d been rejected without explanation, while others claimed their deferment was cut short. All expressed frustration over the lack of support they received from customer service.

  • How to avoid it: Contact customer service before you defer your loans and regularly check in on your account while it’s in deferment. If you run into a problem, reach out to a live representative when possible — emails are easier to ignore. Don’t want to risk having your deferment go wrong? Consider refinancing or consolidating to switch lenders.

How do I submit a complaint against Granite State Management?

You can complain to the Department of Education or NHHEAF Ombudsman Group, which are independent offices tasked with handling and resolving borrower complaints. You can submit a written complaint to the Ombudsman Group, reach out over the phone or send a fax if you have a federal loan. Where you submit your complaint depends on your account number.

Accounts starting with C7

Private student loan borrowers can only file a complaint with the NHHEAF Ombudsman Group. If you have a federal loan, you can also file a complaint with the Department of Education’s Federal Student Aid (FSA) Ombudsman office as well.

Where to mail a complaint
NHHEAF Ombudsman
4 Barrell Court
Concord, NH 03301
FSA Office of the Ombudsman
P.O. Box 1843
Monticello, KY 42633
Where to call or fax
  • NHHEAF Ombudsman phone number: 603-227-5380
  • FSA Ombudsman phone number: 877-557-2575
  • FSA Ombudsman fax number: 606-396-4821

Accounts starting with F8

Where to mail a complaintFSA Office of the Ombudsman
P.O. Box 1843
Monticello, KY 42633
Where to call or fax
  • Phone: 877-557-2575
  • Fax: 606-396-4821

    What to expect with other student loan servicers

    Choose a loan provider from the list below for more information on its services.

    Bottom line

    Granite State Management isn’t the easiest servicer to deal with — its website can be difficult to navigate and doesn’t provide much information. Customers also report difficulty getting issues resolved with customer service.

    If you don’t need to make major changes to your student loans, like applying for deferment, Granite State might not be much of a problem. Otherwise, you may have an easier time by refinancing or consolidating your debt to get a new servicer.

    You can learn more about how student loans work by reading our master guide.

    Frequently asked questions

    How do I defer my loans or go into forbearance through Granite State Management?

    Applying for deferment or forbearance involves filling out and submitting a form to Granite State Management. You can learn about your options and find the relevant forms by logging into your online account.

    Read our step-by-step guide to filling out common deferment forms for more details.

    How do I change my repayment plan?

    Log in to your account to learn about your repayment plan options. If you have a federal loan, applying to change your plan involves filling out a form that you submit to Granite State Management. Private loan borrowers might want to reach out to customer service to learn about which plans are available to them.

    Our step-by-step guide to applying for income-driven repayments

    I got an email from GSM&R about an account I didn’t sign up for. Is it legit?

    Generally, yes. All federal loan borrowers should get an email from their servicer during their grace period with instructions on how to set up their account. If you have a private loan, you might hear from Granite State Management even earlier.

    That doesn’t mean you shouldn’t exercise caution. If you get an email that sets off your alarm bells, reach out to Granite State Management by phone to confirm it’s legit.

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