@kgs49 They simply manage your payments. Most loans via the government are managed by a servicer, it’s a layer between people and the government agencies that authorize money for the loans. Sometimes, loans are transferred to another servicer for whatever reason, ultimately nothing changes for the borrower though other than needing to create new accounts, re-setting up any auto debit payments, stuff like that. Terms of the loan don’t change. So it’s just a headache for the borrower.