My loan was recently sold to ACS Education Services. Last month they sent me a letter telling me that I would be getting a bill from them, but I never did. I had no account number, place to send my payment or payment amount so I waited a month thinking that my bill would come, but only received another letter telling me that they decided to consolidate my student loans. There was no account number, no place to send my payment or payment amount so I decided to try to register and log on to pay my now 2 month late bill. I couldn't log on so I called the company. The first thing the automated phone asked for was an account number. It settled for my social security number but wouldn't let me go any further because it said that my phone number was wrong. I was stuck on this setting forever until I was finally transferred over to a real person. This person was extremely rude, unhelpful and barely spoke any English. We argued for at least 15 minutes because he wanted me to magically guess what numbers that they had for me. He said that my address was wrong even though the company had mailed me their letters to my current address. He wanted me to pay my 2 month late bill on the spot over the phone with an additional charge for paying over the phone. I refused to do it and the man was even ruder. He told me that I could pay online that my account information was now OK. After 30 minutes of dealing with this rude employee, I was able to log on and pay my bill. This company is horrible. I am currently researching how to transfer my student loan to a better company.

I have merely transferred schools, I did not leave nor graduate. I believe Kaplan University turned this loan over to this unscrupulous lender thinking that I would just give up after being forced out due to their financial wrongdoing. Kaplan maxed out my loans and kept them, as well as my Pell Grants, for over 9 months collecting interest on every penny. I have transferred my Direct loans as well as my FAFSA. I cannot begin until October due to the way they locked me into their fiscal year system. I have been accepted as a student and now am in the process of filing suit against Kaplan University for libel and wrongful use of my government loans and grants.
I will repay my student loans, in full, when I finish my education. I will consolidate with Direct Loans.

Mark Lee