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[Kaysei]

I've been paying on my ancient student loans (two accounts) for over a year now and haven't had too much trouble with ACS until now. I previously paid through Checkmate, but I haven't re-enrolled yet, so I mailed in my payments for a few months. I've been fighting with ACS for nearly three months about two payments that were misapplied in November and December 2011. I gave clear instructions on which account the payments should have gone to, but they didn't do it correctly. They tell me they can't do anything about it now. They also say I should furnish them copies of my cancelled checks, even though my bank tells me that ACS keeps them. I fully intended to re-enroll in Checkmate, but I've been trying to get this mess straightened out first. I also sent an email to ASA (American Student Assistance) but they aren't very helpful. Then yesterday I got a notice that ACS is transferring everything to NELNET effective March 23. Am I just wasting my time trying to get my payments properly applied? It's not like I'll ever pay them off anyway.

[Kaysei]

I got this today from ASA: "Please understand that your servicer, be it ACS or Nelnet, has the ultimate authority in determining how payments are applied since they are the administrators of your federal student loan(s)." So I guess I've just been wasting my time after all.