 TITLE: Who Services My Federal Student Loans? CONTENT: How to Manage Student Loans With Multiple Servicers\n---------------------------------------------------\nIn some cases, some of your federal student loans could be assigned to different loan servicers.\nThis arrangement can make your life complicated because each servicer may have separate due dates, and you'd need to contact each one individually if you want to request forbearance, deferment or a different repayment plan.\nIf you're in this situation, consolidating or refinancing your loans with a different servicer or lender could simplify things. But if you'd prefer to avoid higher interest rates or fewer loan benefits, here are some ways to manage all of your loans:\n*   **Set up automatic payments.** Trying to keep track of all of your monthly payments manually can be a pain. While it's important to know your due dates to ensure you have enough money in your bank account to cover them, getting on an autopay plan can make your life a little easier. Also, note that you'll get a 0.25% interest rate reduction on direct federal loans if you sign up for autopay.\n*   **Keep a list of your servicers' contact information.** If you need to ask a question about your loans, make additional payments or submit a request, have the contact information for each of your servicers on hand, and make a note of which loans each company services so you don't accidentally leave any out.\n*   **Call before making extra payments.** Each loan servicer may be a little different in how they apply payments. So if you want to pay off your loans early or make additional principal-only payments, call first to make sure they know how to apply your payment and which loan you want to target. END