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Conduent Education Services (CES), previously known as Xerox Education Services and Affiliated Computer Services (ACS), was a major third-party student loan servicer managing Federal Family Education Loan Program (FFELP) loans, institutional campus loans, and private student loans on behalf of colleges, universities, and commercial lenders.
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Whether you need to verify where your former Conduent-serviced student loans were transferred (e.g., Nelnet, MOHELA, Aidvantage, or ECSI), make payments on active private accounts, obtain Form 1098-E student loan interest tax statements, or request loan payoff documentation, this comprehensive guide details every servicing channel and federal transition resource.
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Conduent Student Loan Servicing Overview & Loan Transfers
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Review student loan servicing transfer destinations and features:
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| Loan Type | Current Servicing Destination | Borrower Action Required |
|---|---|---|
| Federal Student Loans (FFELP / Direct) | Transferred to Nelnet, MOHELA, or Aidvantage | Check current servicer on studentaid.gov |
| Federal Perkins / Institutional Loans | Transferred to Heartland ECSI | Manage at heartland.ecsi.net |
| Private Commercial Student Loans | Conduent or designated private debt holder | Pay via Conduent or current secondary lender |
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How to Locate and Pay Your Student Loans Today (Step-by-Step)
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Method 1: For Federal Student Loans
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- Visit the official U.S. Department of Education portal: studentaid.gov.
- Log in using your FSA ID (Username and Password).
- Navigate to “My Aid > View Servicer Details” to identify your assigned federal servicer (such as Nelnet, MOHELA, or Aidvantage).
- Create your account with your new servicer to schedule payments and enroll in Income-Driven Repayment (IDR) plans.
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Method 2: For Perkins & Campus Loans (Heartland ECSI)
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- Navigate to: heartland.ecsi.net.
- Log into your profile using your Heartland Key or SSN.
- Click “Make a Payment” and enter checking account (ACH) details for free electronic transfer.
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How to Access Past Conduent 1098-E Tax Forms
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If you need historical Form 1098-E statements for interest paid during tax years when Conduent serviced your loan:
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- Contact Conduent Borrower Services at 1-800-826-4470.
- Provide your Social Security Number and former Conduent Account Number.
- Request electronic copies of your tax documentation.
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Student Loan Servicing Support Directory
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- Conduent Borrower Assistance: 1-800-826-4470 (Mon–Fri 8:00 AM – 5:00 PM EST)
- Federal Student Aid Information Center: 1-800-433-3243 (1-800-4-FED-AID)
- Official Federal Portal: studentaid.gov
- Heartland ECSI Support: 1-888-549-3274
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Frequently Asked Questions (FAQ)
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Why did Conduent stop servicing my federal student loan?
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Conduent Education Services exited federal loan servicing following government contract expirations and regulatory settlements, transferring all federal portfolios to specialized federal loan servicers.
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Can I consolidate my old FFELP loans into a Federal Direct Consolidation Loan?
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Yes. Borrowers with commercially held FFELP loans can consolidate them into a Federal Direct Consolidation Loan at studentaid.gov with zero fees to qualify for Public Service Loan Forgiveness (PSLF) and SAVE repayment plans.
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Related Education & Loan Guides:\n
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Disclaimer: BillPayment.guide is an independent education loan guide and is not affiliated with, endorsed by, or operated by Conduent Inc., Xerox Corporation, or the U.S. Department of Education. All trademarks belong to their respective owners.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
