Conduent Student Loans

Conduent is a federal student loan servicer, if you have them as a servicer you can find out more on what ACS Education Services is, the type of payment methods available, services available through ACS and much more.

Updated by Annany Sah on 7th February 2020

If you had a student loan then you have dealt with conduent because of the government, as well as the private lenders, hire a service to process payments from the borrower to themselves. Conduent is the largest service provider of federal loans for students.

The Conduent Educational Services are the servicers who work for the government or the lender for the complete process of payment to themselves.

Table of content

What is the ACS Education Services?

The Conduent Education services formerly known as the ACS Education Services. The Conduent Education Services was formed in January 2017 after the conduent a business company acquired the ACS Education Services And became the Conduent Education Services.

If you have a federal or private loan the conduent will help you in paying off the loan amount debts.

Conduent Education Services provides many services to individuals such as:

1) Helping in managing loan debts

2) It provides an option to the borrower

3) Encourage IDR (Income-Driven Repayment)plans

4) It helps the borrower to become qualified for loan forgiveness

Here are the Pros and Cons Of ACS Education Services


  • Wealth Of Information: Conduent Provides a huge amount of information about how to manage your loan amounts and how to make timely payments

  • Multiple Payment Option: If you are serviced by the conduent they provide a huge variety of payment like online transactions, third party payment, net banking


  • No Interest on rate reduction : They charge a very high-interest rate that the borrower is not able to pay it on time and they have no intention of reducing the rate of interest on the borrower ‘s loan

  • Confusing Navigation: The website of Conduent Education Services is so vast and big that it gets confusing to find what exactly the borrower needs

Types of payment methods 

The ACS Education Services have a number of payment methods and if you have insured loans from ACS Education Services then you will not have any problem in paying off your debt. The number of payment methods is as follows:

  • Cheque Online: If you have an insured with ACS education Services Then you can pay off the due interest amount by paying Cheque online.

  • Online transactions: Online transactions are the easiest way to pay off the rest amount to the lenders and this facility is provided by the ACS Education Services.

  • Debit/Credit Cards: The backbone of online transactions are the debit/credit cards because it knows the traditional way of paying in the modern technological world.

Learn more about student loan repayment

Having Problem paying off a Conduent Student loan?

If you are facing real hardship that is preventing you to pay off your student loan debt and you are insured by Conduent then there are the following ways you can pay off your Conduent student loan with ease.

With Conduent you can find new payment plans, given the scenario that you have trouble repaying your student loan and you are insured by Conduent. Then ACS Education Services provides 3 types of payment plans namely the beginning payment, the middle payment, and the end payment.

But these payments depend upon the type of loan you have taken up because for private loans it depends upon the policies of the original lender.

But if you have taken up a campus-based loan then it depends upon the university which sanctioned the loan.

But if you are taken up the FFEL student loan and it is insured by the Conduent then it depends upon various factors such as:

  • Standard level payment: The borrower will be making the same amount of payment each month for the life of the loan like 10 years

  • Graduate repayment: In this, the borrower starts with the lower payments which increase over time so that the person will be making the largest payment at the end

  • Income-Sensitive Repayment: In the payment of the loan amount depends upon the income of the borrower and it is as low as $5 a month

  • Extended Repayment: In this, the payment amount will be very low and the payment tenure will be over for 25 years

Rate and fees

It's very important for you to know your interest rate with your lender because different loans have a different loan interest rate such as, the private loan interest is set by the lender and in the federal loan, the interest rate is decided by the US government.

If you still don’t know at what rate is the loan amount being charged there are following ways you can do that such as:

  • Log on to your loan account to find out the details

  • Look at your monthly payment statement

  • Contact a Conduent Service provider and ask them

  • Refinancing your Conduent Student loan

How to switch a loan servicer? 

There is not a straight path for you to change your servicer because when your loan is being passed around from one servicer to another you can’t choose a servicer rather it’s assigned to you.

The only way you can choose a service of your choice is when you consolidate your loan into one Direct consolidated loan.

Direct Consolidated loans

Direct consolidated loans are the loan in which federal loans are also included, these loans have a new interest rate and only one monthly payment is to be done.

Direct consolidated doesn’t apply to private loans through Conduent Education Services, Private loans are not eligible for any federal programs, and if your servicer is not providing any kind of service then you can refinance your loan by a private lender and choose your own servicer.

Worried about your college tuition? Find the best student loan for you

Problems with Conduent Student loans 

The problems faced by the borrowers are the problems like they cannot access their accounts or they did their payments and it's showing that it’s due and in some cases, the servicer is not helping in providing the service which the borrower needs to pay off the debts.

Some of the common problems faced by the borrowers are as follows:

  • Problem with the customer service: The main problem comes after you shift from one service to another one the amount of time they are spending on how to minimize your loan payment amount and the rest of the amount be forgiven but instead the servicer doesn’t provide any kind of service whatsoever. The main problem of customer service is actually getting someone on the phone and confirming it with what you are seeing in your account and what they are telling about what’s in your account.

  • Received bad information about the loan: The number of complaints received by the servicers is more than they can count because the borrowers are still reporting that they can’t access their account and its because they just changed from normal loans to Conduent loans. Recently Conduent recently acquired ACS Education Services and became the Conduent Education Services and the acquisition is very important because a lot of info is passed on and that's the reason a borrower should always look at his credit scores.

Refinancing Student Conduent Student loan

Refinancing your student loan is a great way to save money and pay off student loan debt quicker. This is especially true if you can secure a low-interest rate. A good rule of thumb is to refinance if you can lower your rate by one percentage point or more.

What’s the key to getting a lower interest rate? Your credit score is one of the main factors in determining whether you qualify for refinancing or not and the type of rate you’ll receive. Anything you can do to improve your credit will go a long way with private lenders

Types of loans

The Conduent Education Service has 3 very specific loan programs for every student such as: 

  1. Federal Family Education Loan Program 

  2. Campus-based loans 

  3. Private Loans

Federal Family Education Loan Program - This program was discontinued in 2010 but still the loans which were sanctioned before 2010 are still active to this day. There are 3 main methods as shown below - 

1) Standard Repayment Plan - Under this plan, you will have up to 120 fixed monthly payments during the repayment term of 10 years.

2) Graduated Repayment Plan - Under this plan the payments to be made each month will slowly increase over the life of the loan.

3) Extended Repayment Plan -  Under this plan you will have to make fixed monthly payments throughout the life of the loan. But the repayment term of the loan will be longer than that of a standard plan.

4) Campus-based Plan - The campus-based loan program is that program on which the loan interest depends upon the issuing university or school and not Conduent. It can also be moved as income-driven repayment if it qualifies

5) Extended Repayment plan - The Extended Repayment Plan is also called private loans because it includes only private and consolidates loans. This loan depends upon the original lender for the repayment options

Services Available through ACS 

  • Handling payments

  • Administration of student loan programs

  • Phone support

  • Processing loan forgiveness and income-based repayment programs

  • Reporting loans to the credit bureaus

  • Seeking repayment for defaulted loans

  • Correspondence with borrowers, such as statements

  • Applying qualifying deferments and forbearances

On May 1, 2019, the Consumer Financial Protection Bureau (CFPB) announced a settlement with Conduent Education Services (CES). The Bureau found that CES engaged in unfair practices that violate the Consumer Financial Protection Act of 2010 by failing to adjust in a timely manner principal balances of student loans made under the Federal Family Education Loan Program. Conduent is required to make proper adjustments to the principal balances of the affected loans and reimburse borrowers who have paid off their loans already. On top of this, it must fork out a $3.9 million fine.

Conduent has faced other legal issues in the past as well. It has developed a reputation as being a poor loan servicer that takes advantage of borrowers who have ACS student loans.


If you’re interested in refinancing or consolidating your Conduent student loans with another lender, you have options. Credible lets you instantly compare student loan refinancing rates from Conduent Education Services as well as other top lenders. With Credible, you can compare the best options with no hidden fees, without affecting your credit score, and with the assurance that your data is totally secure.