Wells Fargo Student Loans: Information and Resources for Borrowers


Known for its status as one of the biggest banks in the country — and the iconic stagecoach logo — Wells Fargo offers a host of financial services, from bank accounts to private student loans.

Students looking for additional funding to cover college-related costs that aren’t covered by federal student loans may look into private student loans to bridge the gap.

If you have Wells Fargo student loans, read on for more information about this lender and how it can help you manage your repayment successfully.

About Wells Fargo student loans

Wells Fargo has been in the banking industry for more than 100 years. A lot has changed since Henry Wells and William Fargo founded the bank in 1852, but Wells Fargo has maintained its position as a national brand with a major stake in banking, expanding into the private student loan sector in 1968.

What does Wells Fargo do as a student loan provider?

Borrowers can borrow a variety of private student loans — including undergraduate loans, graduate loans, and even loans for parents of students.

It’s possible to borrow up to 100 percent of eligible school-related expenses and make no payments while in school. Wells Fargo offers variable and fixed interest rates.

As a student loan provider, Wells Fargo works with students and parents to help cover the cost of tuition and related expenses. Because Wells Fargo is a private student loan lender, they act both as your lender, or funding source, as well as your loan servicer managing the repayment.

Making Wells Fargo student loan payments

There are a variety of ways that Wells Fargo student loan borrowers can make their payments. Because it is a national bank, you can go to any Wells Fargo branch to make a payment in person.

To make things a bit easier, you can also make your payments online. First, you have to create an account by signing up with your Social Security number and inputting your loan/account number, then creating a username and password.

If you want to be sure you never miss a payment, you can sign up for automatic payments, which will also get you a 0.25% interest rate deduction. You can also sign up for email or text alerts regarding your payments. Plus, if you are currently in repayment and in good standing, you can change your due date to align with payday to better manage your cash flow.

In addition, you can make a payment over the phone by calling 1-800-658-3567. Be sure to have your checking account information, including routing number and account number as well as your Wells Fargo loan number.

If you prefer snail mail, you can send a check or money order with your statement to:

Wells Fargo Education Financial Services
P.O. Box 10365
Des Moines, IA 50306-0365

Wells Fargo student loan repayment options

For most Wells Fargo student loans, you have the option to start repaying your student loans six months after you graduate or leave school. Unfortunately, this is not the case for student loans made to parents, who must begin making payments as soon as the loan is funded. To be clear on your repayment start date and repayment term, check your Loan Request/Consumer Credit Agreement.

If you return to school or join the military, you may be eligible to postpone your payments for a period of time. Additionally, if you are struggling to make payments due to a financial hardship, such as unemployment or medical expenses, you might be eligible for payment relief for two to six months, depending on your situation.

Wells Fargo also offers a Loan Modification Program, which temporarily lowers your payments if you’re having trouble making them. Call the Wells Fargo student loans phone number at 1-866-878-1083 to discuss your options.

There are no prepayment penalties for paying off your student loans early. In fact, the only additional fee you’ll incur is if you make a late payment.

To estimate your monthly payments with Wells Fargo, use our calculator to get a better idea of how much you should budget each month for your student loans.

Wells Fargo student loans contact information

If you need Wells Fargo student loans contact info, there are a variety of ways to get in touch.

Wells Fargo student loans phone number

Call this number if you have any questions regarding your payments or statements: 1-800-658-3567.

You can reach phone support Monday through Friday, from 7 am to 8 pm Central Time.

Online support

Get customer support from Wells Fargo on Twitter or through their online community. You can also connect with them on Facebook.

If you have Wells Fargo student loans, be sure to check out your repayment term and interest rates, so you know how long you have to repay your loans and if your interest rates are variable or fixed. If at any point you are struggling to make payments, get in touch with Wells Fargo to discuss your options.

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