You can find out whether your loan is federal or private by following these steps:
Check the top of your federal loan promissory notes, applications, and billing statements. These documents usually mention the name of the federal loan program at the top. Federal loan programs include the William D. Ford Federal Direct Loan Program, the Federal Perkins Loan Program, and the Federal Family Education Loan (FFEL) Program.
Log in to StudentAid.gov using your FSA ID (account username and password). Under your name, select "My Aid." The My Aid section displays information on federal loan and grant amounts, outstanding balances, loan statuses, and disbursements.