Skip to content

Security Center

Explore how Discover Student Loans guards your private information, so you can have peace of mind every time you visit us online. And, get advice from our experts on how to help protect yourself from fraud and identity theft and what steps to take if you become a victim.

We help keep your money, your identity and your privacy safe.

Secure Online Payment

Your information is encrypted for your security. We utilize Secure Socket Layer (SSL) technology to encrypt all of your personal and account information. Additionally, your account information, including your statements, is password-protected online in the Account Center.

Information Privacy

We value your trust and your privacy. That's why protecting your personal and financial information is a priority. We limit the sharing of information with others and maintain physical, electronic and procedural safeguards to protect the information we have about you.

Identity Verification

In addition to the standard User ID and Password all Discover accounts require, users must answer security questions if their computer has not previously been registered.

See how our security standards and encryption technology help ensure your information and accounts are protected.

Protecting our Customers - Online Access

Online Access

Secure Socket Layer Certification (SSL)

We use 128-bit Secure Socket Layer (SSL) to encrypt or scramble your personal information being sent over the Internet. This technology is designed to help prevent someone else from accessing your information. View SSL Certificate


A firewall is a filter used to determine whether information is allowed to travel from one network to another. Discover Student Loans uses multiple layers of firewalls to help block critical areas of our network from prying eyes.

Online Account Center

Protecting our Customers - Online Account Center
Identity Verification

In addition to the standard User ID and Password all Discover accounts require, users must answer security questions if their computer has not previously been registered.

Privacy Policy

Designate who can access your personal and financial information. Learn more about how to limit your sharing by reviewing our Privacy Policy.

As the Internet and mobile world moves at a rapid pace, so do online fraudsters, hackers and viruses. Follow the steps below to keep yourself safe online.

Protecting Yourself - Maintain Online Safety

Maintain Online Safety

Monitor your account activity regularly
  • Register your Discover account to the Account Center online.
  • Call a Student Loans Specialist at to report any fraudulent activity.
Watch out for requests to disclose personal information
  • Discover will never request that you send sensitive information via e-mail.
  • Never disclose personal information including User ID, Password and other confidential information.

Prevent Fraud

Protecting Yourself - Prevent Fraud
Shred confidential documents
  • Shredding sensitive documents prevents thieves from taking personal information from the trash.
Watch out for phishing e-mails
  • "Phishing e-mails" are sent with the purpose of fraudulently obtaining your personal identification and account information, or luring you into downloading malicious software.

The sophistication of these scams increases all the time. Here are some common themes to phishing e-mails so that you can better identify them and protect yourself:

  • Any e-mail with an urgent request for personal or financial information.
  • Any e-mail with scary, false statements designed to get you to provide information immediately. They typically request usernames, passwords, date of birth, Social Security number, credit card numbers or other personal information.
  • Identify masking links within a communication by holding your mouse over a link to reveal the actual URL you'll be directed to. If that URL does not appear to match the link representing it, never click on it, as this could initiate virus installations.

Examples of Phishing E-mails

Stay informed about the latest scams

For the latest list of scams, visit or view the Discover-specific examples below:

Do you need help now?

If you suspect that you have received a phishing or fraudulent e-mail, forward it to If you interacted with the e-mail and believe your account security has been compromised, please call () immediately.

Protect Your Home Computer

Protecting Yourself - Examples of Common Discover Phishing E-mails
Maintain an up-to-date operating system and Internet browser
  • Updates to operating systems are often used to repair security flaws.
  • New vulnerabilities may be discovered at any time; we recommend that you use an automatic update service.
Use the most current antivirus software
  • Signature files are special files used by antivirus software and make it possible for the antivirus software to detect viruses.
  • Most antivirus companies offer subscription services to ensure you get the latest updates.
Install a firewall to keep hackers out
  • An easy-to-install personal firewall prevents hackers from gaining access while you're online.
  • This prevention is especially important if you connect to the Internet via a cable modem or a digital subscriber line (DSL) modem.

If you think you're a victim of fraud, here is how to take action immediately to stop it.

If You Suspect You've Received a Fraudulent E-Mail

If you believe that you have received a fraudulent e-mail, forward it to If you interacted with the e-mail and believe your account security has been compromised, please call Customer Service at () immediately.

Act Quickly

If you suspect your identity or financial information is being used fraudulently, call Discover Student Loans immediately at . The sooner you act, the better the chances of catching the culprit and of limiting the damage.

Close Fraudulent Accounts With Other Companies

If you find accounts have been opened in your name without your knowledge, contact the company directly and ask to have them closed. Inform the company that the account was opened fraudulently. Keep detailed notes of your conversation and ask for documentation showing the account has been closed.

Contact the Social Security Administration

If you think your identity or Social Security number has been used without your consent, call the Social Security Administration Fraud hotline at .

File a Police Report

The best way for the authorities to bring criminals to justice and prevent future fraud is through sharing information. Your police report helps authorities gain insight on how the crime was committed.

Report the Theft to the Federal Trade Commission

Call () or TTY to report ID theft so that law enforcement across the country can use the information to help with its investigations. You can also report ID theft to the FTC online at The FTC has a comprehensive identity theft recovery guide. Learn more at

Prevent Future Fraud

The minute you learn your identity is being used fraudulently, place a fraud alert on your name and identity. This helps prevent future fraud and further tarnishing of your personal and financial records. Call the three national credit reporting organizations and the Federal Trade Commission immediately to place a fraud alert on your name and identity. The numbers are:

SSL Certificate

  • First, look for https in the page URL. The "s" signifies that the page is secure.
  • Most browsers have a "lock" icon. If the lock is closed/locked, the page is secure.
  • Most browsers shade the lock/text/background green. Green means secure.
  • Many browsers show the actual server security certificate "DFS Services LLC [US]

Secure Account Log In