I'm guessing that's what will happen. Can you tell me what a servicer can do?
Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.
Umm, yeah, and that could be bad. Can you give me an alternative to that, then?
Of course, no problem with that. You can always consider to use an income-driven repayment as a more healthy alternative, so you don't have to delay your payments.