Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

What to expect with Conduent Education student loan servicing

Repayments and more with this servicer formerly known as ACS.

Student loan servicer ACS rebranded itself as Conduent Education Services in 2017. It handles repayments and customer service for private, Campus Based Student Loans and federal loans in the FFEL program. However, Conduent’s website is difficult to navigate, so you might have an easier time getting answers to questions by contacting customer service directly.

How to make repayments with Conduent Education Services

Couduent Education Services offers multiple ways to pay off your student loans. If you’re making an online repayment for the first time, have your bank account and routing number on hand before getting started.

Automatic payments

ACH Checkmate II

Paying off a private or FFEL student loan? You can sign up to have repayments automatically withdrawn from your account each month:

  1. Log in to your online account.
  2. Click ACH Checkmate II in the lefthand navigation bar.
  3. Click Enroll or Manage your ACH.
  4. Choose the loan account you’d like to register for Checkmate II.
  5. Follow the directions to create a payment profile and add your bank account information.

Automatic Bill Payment (ABP)

If you have a Campus Based Student Loan, you have to sign up for ABP to have repayments automatically deducted from your bank account. Campus Based Student loans include the following programs:

  • Federal Perkins Student Loans
  • Nursing Student Loans
  • Health Professions Student Loans
  • Institutional loan programs
  • Tuition billing

Follow these steps to sign up for ABP:

  1. Sign in to your online account.
  2. Click the link to view your Campus Based Student Loan account information.
  3. Click Payment Options in the lefthand navigation bar.
  4. Click ACH and then Online ABP Form.
  5. Follow the directions to complete and submit the form.

Don’t want to submit your information online? The form comes with instructions to download and mail or fax it to Conduent.

Online repayments with ExpressPay

You can make a one-time repayment online through Conduent’s ExpressPay feature:

  1. Log in to your online account.
  2. Click Payment Options in the lefthand navigation bar.
  3. Click ExpressPay.
  4. Check the boxes next to the loan accounts you’d like to make a repayment toward.
  5. Follow the directions to add a new bank account.
Pay through Conduent’s mobile website

While Conduent doesn’t have a mobile app like some other servicers, you can make repayments on your phone through its mobile website:

  1. Go to the Conduent website on your phone and sign in to your account.
  2. Click Make a Payment.
  3. Select the loans you’d like to make the repayment toward.
  4. Pick the account you want to make your repayment from or follow the directions to add a new bank account.
  5. Enter the amount you’d like to pay and pick a payment date.
  6. Click Make Payment.

Make a mistake? You can click Cancel to start over again.

Pay over the phone

If you don’t want to pay online, you can also make a repayment over the phone by calling 800-826-4470. Have your loan account number and bank information ready before dialing.

You can pay at any time using its automated service or through a live customer service representative during its regular business hours.

Pay by mail

Campus Based Student Loan holders can send a check or money order to the address printed on the attachable bottom part of their paper statement.

Don’t see an address? Send repayments to:

PO Box 7061
Utica, NY 13504-7061

Make sure to include the bottom part of your statement along with your payment. Write your account number directly on your check or money order.

Use a bill pay service

Already pay your bills through your bank or a budgeting app? You can add your student loan repayments to the list. Instruct the service to include your full account number directly on the payment.

Make the check payable to the school you attended and have your bill pay service send it to one of the following addresses:

Conduent Education Services
PO Box 3295
Milwaukee, WI 53201-3295

Conduent Education Services
PO Box 7061
Utica, NY 13504-7061

How can I pay off my loan early?

You can pay off your loan early through any of the above mentioned methods other than the automatic repayment options. First, you might want to contact Conduent’s customer service team for instructions on how to make sure your student loan repayment gets applied correctly.

How to contact Conduent customer service

You can contact Conduent by phone, email or mail. You can find the correct contact information on your billing statement through Conduent’s website. Either log in to your account or follow these steps:

  1. Go to the Conduent website.
  2. Click Contact Us in the main navigation bar.
  3. Enter your Social Security number and click Continue.
  4. Follow the steps to set up an account and get in touch with customer service.

Campus Based Student Loans contact information

Campus Based Student Loan holders can get in touch with Conduent by phone or mail.

PhoneCall the number on your statement or 800-826-4470. Conduent’s customer service team is available weekdays from 7 a.m. to 5 p.m. CT.

Mail all correspondence to the following address:

Conduent Inc.
Campus Products and Services
PO Box 7060
Utica, NY 13504-7060

How to refinance your Conduent student loans

You can refinance your Conduent student loans by taking out another loan with a private lender to pay off your current student debt. Refinancing is the only way to switch servicers if you have private student loans, and one of two ways to switch servicers for federal loans.

Federal loan holders might also want to look into taking out a Direct Consolidation Loan if they want to take advantage of federal benefits like income-driven repayment plans and flexible deferment options.

Compare student loan refinancing options

Explore your options by APR, minimum credit score, loan amount and loan term. Select the Get started button to start an application with a specific lender.

Name Product APR Min. Credit Score Loan amount Loan Term
Purefy Student Loan Refinancing (Variable Rate)
1.88% to 5.54%
$5,000 - $300,000
5 to 20 years
Refinance all types of student loans — including federal and parent PLUS loans.
Credible Student Loan Refinancing
1.80% to 8.90%
Good to excellent credit
Starting at $5,000
5 to 20 years
Get prequalified offers from top student loan refinancing providers in one place.
SoFi Student Loan Refinancing Variable Rate (with Autopay)
2.25% to 6.59%
Starting at $5,000
5 to 20 years
A leader in student loan refinancing, SoFi can help you refinance your loans and pay them off sooner.
Splash Financial Student Loan Refinancing
1.89% to 6.66%
Starting at $7,500
5 to 25 years
Save on your student loans with this market-leading newcomer.
Education Loan Finance Student Loan Refinancing
2.39% to 6.01%
Starting at $15,000
5 to 20 years
Lower your student debt costs with manageable payments, affordable rates and flexible terms.
Earnest Student Loan Refinancing
1.88% to 5.64% APR with autopay
$5,000 - $500,000
5 to 20 years
Get a tailored interest rate and repayment plan with no hidden fees.
Supermoney student loan refinancing
Starting at 1.9%
No minimum credit score
$5,000 - $300,000
5 to 20 years
Compare options to combine both private and federal debts into one monthly payment.

Compare up to 4 providers

How to avoid common problems with Conduent

Since Conduent’s recent rebranding, it has no complaints filed against it with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) as of March 2019. However, ACS Education Services does.

Over 1,100 borrowers filed a complaint against ACS with the CFPB and over 14 customers have closed complaints against it through the BBB. However, the BBB gives it an F rating due to its failure to respond to six complaints filed against it.

Here are two of the chief complaints borrowers had with ACS or Conduent:

Incomplete or incorrect information about loans

Several customers complained about how difficult it was to get information about their loans. One wasn’t sure who their servicer was after ACS rebranded itself as Conduent. Another was led to believe that their loans were eligible for Public Service Loan Forgiveness when they weren’t.

  • How to avoid it: Do some research on your own before making any changes to your loan and reach out to third parties like the CFPB or BBB if customer service isn’t able to answer your questions.

Incorrect credit reporting

A handful of customers also complained that ACS reported wrong information to the three credit bureaus, potentially hurting their credit scores. Many said the information was out of date, while others claimed the servicer reported late repayments when they’d only ever paid on time.

  • How to avoid it: Regularly check your credit reports — you can get a free copy each year from the three main credit bureaus. If you see an error, contact both Conduent, the CFPB and the credit bureau to correct the mistake on your credit report.

How do I file a complaint with Conduent?

You can send Conduent a complaint by logging in to your online account and sending an email, downloading and mailing in a form or writing a letter.

If you choose to write a letter, include your first and last name, as well as your account number. Conduent typically responds within 30 days of receiving your complaint.

What to expect with other student loan servicers

Choose a loan provider from the list below for more information on its services.

Bottom line

Conduent isn’t the easiest student loan servicer to work with. Its website is difficult to navigate, and it has a history of reporting wrong information to the credit bureaus. Since its customer service team isn’t always available — and sometimes gives out misinformation — you might want to consult our student loans guide and the Federal Student Aid website to learn more about how they work.

Frequently asked questions

How do I apply for deferment or forbearance with Conduent?

How you apply for deferment or forbearance depends on what type of loans you have. Generally, it involves filling out an application form, which you can download from Conduent’s main website. You might want to try reaching out to customer service if you’re unsure about the process.

How do I change my repayment plan with Conduent?

How you can change your student loan repayment plan generally depends on what type of loan you have. With federal loans, you typically have to fill out a form. Private student loans might involve a different process.

Contact Conduent to learn how changing repayments works for your particular situation.

Did my loan account number change when ACS became Conduent?

No, your account number stayed the same during the transition.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site