What are the rules surrounding loans transferring to a different servicer? Specifically, are repayment plan and terms supposed to remain the same? I have an email from Direct Loan saying my repayment terms and conditions would remain unchanged and that seems logical, but FedLoan changed them such that my payments were ineligible for six months. (My employment remained unchanged.) I spoke with the Ombudsmen office today and they were non-committal on the matter and suggested it was up to FedLoan to re-disclose loans how they see fit. But presumably there are regulations FedLoan (and others) must follow. At least, I hope they’re not flying blind on this, even if it feels that way sometimes.