ACS/Conduent Loan Servicing Problems – How to Avoid & Fix Them

Over 15 years ago, I graduated college with $35,000 of student loan debt. It was a mixture of different types of loans but I was able to consolidate them into a single fixed rate, somewhere in the 3% range, and serviced by ACS Education Services. ACS, short for Affiliated Computer Services, recently changed their name to Conduent but their website looks almost exactly like it did when I last visited back in 2007!

In 2010, Xerox acquired ACS back when ACS was the sole servicer for all student loans made by the federal government. ACS continued to handle a big portion of the portfolio even as the government moved to include additional servicers. Today, the biggest loan servicers are Navient (formerly Sallie Mae) and Fedloan, the sole servicer for the Public Service Loan Forgiveness Program.

They've had their fair share of problems.

Just last year, they settled for $2.4 million with the state of Massachusetts. The MA AG said that ACS delayed the processing of income-driven repayment applications, charged excessive late fees, and violated debt collection laws going after borrowers.

Sooo…. if you have a loan with ACS/Conduent and you want to avoid student loan servicing problems, we're here to try to help.

If you have a lot of student loans and want to know the best way to pay them off fast, you need a plan.

My friend Travis is a Student Loan Planner and he's created over a thousand custom student loan plans that will have you out of debt faster than you can imagine. He knows all the different programs, how they work together, and what you need to do to take advantage of them.

His average client saves a projected $59,000 over the life of their loans. If you want to find out more and see if a plan might help you, check out his service.

Common ACS/Conduent Servicing Problems

Conduent, formerly ACS Education, is a loan servicer with one of the most outdated websites I've seen in recent memory. It's not uncommon for servicers to have problems and so we look at common problems and how you can overcome them.

Outdated website

As I mentioned earlier, the website looks like it was built in the late 1990s when the internet was in its infancy. There isn't much you can do about this besides allow yourself more time to complete the tasks you want and avoid hitting the back button. It sounds silly but you have to mold your behavior into the system in front of you.

What's funny is that it looked ancient even back when I was paying my debts off in the mid-2000s! I can't log in anymore but if the public page looks the same, I bet it looks the same behind the scenes. 🙂

So give yourself some time… you never know what issues will crop up.

They Don't Own Your Debt

They're just a servicer so they don't hold the debt, they just act as the intermediary with their ancient website. They're supposed to handle the payments and provide customer service. If you are working towards any special programs, like forgiveness and income based repayment, they used to do that too (Public Service Loan Forgiveness was all transferred to Fedloan though)

If you aren't going the PSLF route, consider refinancing. There are a lot of good banks with competitive rates and generous refi cashback bonuses.

ACS Debt Collection Calls

There are a lot of companies with the acronym ACS and some of them are in the lending industry. Some common payday lenders have ACS as their acronyms, like American Cash Services or Ace Cash Services, so if someone calls and claims to be “ACS,” dig deeper to find out who they are. (plus, ACS is now Conduent so I'd expect them to be using that name now)

As recently as January of 2017, Washington State's Department of Financial Institutions warned their residents about an American Cash Services USA payday loan collection scam.

The student loan servicer ACS did settle with Massachusetts over bad debt collection practices, but presumably, they'll have cleaned that up by now.

If all else fails, contac them directly to get the story straight from them.

How to Contact ACS Education / Conduent

If someone calls and says they're from ACS or Conduent, tell them you'll call back. Then call them directly yourself to sort it out.

The website is (their old website,, will redirect you to the new name too) and the phone number to call will depend on your loan type.

If it is a Federal Family Education Student Loan, including Stafford (GSL), PLUS/Graduate PLUS, Consolidation, or SLS (Supplemental Student Loans):

  • Mail: Conduent, P.O. Box 7051, Utica, NY 13504-7051
  • Call: 1-800-835-4611 Monday through Friday 8:00 am – 11:00pm EST
  • Contact Form: link

If it is a Campus-Based Student Loans, include Federal Perkins Student Loan Program, Nursing Student Loans (NSL), Health Professions Student Loans (HPSL), Institutional Loan Programs and Tuition Billing:

  • Mail: Conduent, Campus Products and Services, P.O. Box 7060, Utica, NY 13504-7060
  • Call: (800) 826-4470 (or check your billing statement) Monday through Friday 7:00 a.m. – 5:00 p.m. CST
  • Contact Form: link

You Can Refinance

If you're looking for other options, you can always get lower rates through refinancing.

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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  1. Troy @ Bull Markets says

    I was lucky enough to graduate without any student loans. Tuition is cheap in Canada, and my parents paid for what I couldn’t pay for. I really think the student loan bubble is going to hurt the millennial generation for years to come.

  2. Steve says

    ALL Counduent phone lines are inactive now.
    The Stafford Loan division was terminated in September 2018.
    IF you’re lucky, you can get ahold of their Campus loan division @ 800-826-4470.
    If the automated system says it doesn’t recognize your SSN and DOB, then input all Zeros. That will trigger the system to access a live agent.
    They owe me money, so I’m hoping to get lucky.

  3. Jason says

    The number listed 800-826-4470 goes to an “offers” phone line that disconnects after the third prompt. This is prohibiting me from requesting any information that is linked to the reason I have an academic hold.

    This is terrible.

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