A "Guarantor" is either a non-profit organization or agency of state government that provide financial and other valued services to lenders and other companies who purse, provide or promote education. These Guarantors link students, parents, postsecondary institutions and education lenders to help families prepare and pay for higher education. Should a borrower default on their student loan from the lender, the Guarantor works with the lender to recover the defaulted student loan debt and reimburses the federal government. Here is a list of Guarantors and the state or states they represent with in the United States.
| States | Guarantors |
| Alabama | Kentucky Higher Education Assistance Authority |
| Alaska | USA Funds |
| Arizona | USA Funds |
| Arkansas | Student Loan Guarantee Foundation of Arkansas |
| California | California Student Aid Commission |
| Colorado | Colorado Student Loan Program |
| Connecticut | Connecticut Student Loan Foundation |
| Delaware | Pennsylvania Higher Education Assistance Agency |
| District of Columbia | American Student Assistance |
| Florida | Florida Office of Student Financial Assistance |
| Georgia | Georgia Higher Education Assistance Corporation |
| Hawaii | USA Funds |
| Idaho | Northwest Education Loan Association |
| Illinois | Illinois Student Assistance Commission |
| Indiana | USA Funds |
| Iowa | Iowa College Student Aid Commission |
| Kansas | USA Funds |
| Kentucky | Kentucky Higher Education Assistance Authority |
| Louisiana | Louisiana Office of Student Financial Assistance |
| Maine | Finance Authority of Maine |
| Maryland | USA Funds |
| Massachusetts | American Student Assistance |
| Michigan | Michigan Higher Education Assistance Authority |
| Minnesota | Great Lakes Higher Education Corporation |
| Mississippi | USA Funds |
| Montana | Montana Guaranteed Student Loan Program |
| Nevada | USA Funds |
| New Hampshire | New Hampshire Higher Education Assistance Foundation |
| New Jersey | New Jersey Higher Education Student Assistance Authority |
| New Mexico | New Mexico Student Loan Guarantee Corporation |
| New York | New York State Higher Education Services Corporation |
| North Carolina | North Carolina State Education Assistance Authority |
| North Dakota | Student Loans of North Dakota |
| Ohio | Great Lakes Higher Education Corporation |
| Oklahoma | Oklahoma Guaranteed Student Loan Program |
| Oregon | Oregon Student Assistance Commission |
| Puerto Rico | Great Lakes Higher Education Corporation |
| Pennsylvania | Pennsylvania Higher Education Assistance Agency |
| Rhode Island | Rhode Island Higher Education Assistance Authority |
| South Dakota | Education Assistance Corporation |
| Tennessee | Tennessee Student Assistance Corporation |
| Texas | Texas Guaranteed Student Loan Corporation |
| Utah | Utah Higher Education Assistance Authority |
| Vermont | Vermont Student Assistance Corporation |
| Virginia | Educational Credit Management Corporation |
| Washington | Northwest Education Loan Association |
| West Virginia | Pennsylvania Higher Education Assistance Agency |
| Wisconsin | Great Lakes Higher Education Corporation |
| Wyoming | USA Funds |
| Other | Direct Loan Program (William D. Ford) |
| Other | National Student Loan Program, Inc. |