I was very worried about this (just found out today my loans transferred to ESA/Edfinancial.).  I am VERY scared right now because even though I was technically on IBR and PSLF plans I hadn’t actually made any payments yet because my wife and I have had some unexpected medical bills.  Last time I spoke with direct loans the reassured me I was on IBR and my monthly payment would be about $500 (we can barely afford that as is) and I was scheduled to begin payments this coming July after the forebearance they gave me.  What will happen now?  I am very frightened this will ruin my life :(  THANK YOU very much for ANY information you can give me and God Bless!

Thank GOODness my loans weren’t transferred to Mohela as I’ve heard pure nightmare stories about them. Edfinancial website looks EXACTLY the same as the direct loan site and all of my information was transferred over so it’s really like there was no change. felling pretty relieved atm hoping nothing further changes down the road.  i still have to find out if I am still on the Public service Forgiveness though.  I will give them a call today and ask.