ACS student loans were once a major part of the student loan servicing landscape. Affiliated Computer Services, Inc. (ACS) was a loan servicer responsible for managing various federal and private student loans before it transitioned its loan servicing operations to other companies. Many borrowers who previously had ACS Inc. student loans may now have their loans serviced by different entities. However, understanding the history and operational structure of ACS loans can help borrowers navigate their repayment journey effectively.

Choosing the right student loan servicer can make a significant difference in managing debt effectively. Loan servicers act as intermediaries between borrowers and the U.S. Department of Education or private lenders, ensuring that payments are processed, repayment plans are set up, and borrowers receive the necessary support. Two of the most recognized names in this space are Aidvantage and Nelnet. Understanding how these servicers function, their strengths, and potential drawbacks is essential in determining the best fit for a borrower’s repayment strategy.