Affiliated Computer Services (ACS) provided student loan servicing and consolidation solutions in the 2000s. Xerox acquired ACS in 2010 and many operations later became part of Conduent (2017). Borrowers whose accounts were once managed by ACS should verify their current servicer and loan status through the Department of Education (for federal loans) or their private lender.

What ACS did for student loan borrowers

Affiliated Computer Services (ACS) was a major business-process outsourcing firm that provided student loan servicing and related administration for institutional clients and borrowers. In the 2000s ACS marketed consolidation and servicing solutions that aimed to simplify payments for borrowers and improve collections and reporting for lenders.

Corporate changes that affect services

ACS was acquired by Xerox in 2010. In the later corporate reshaping of Xerox's business services, many of the legacy ACS operations moved into a new company, Conduent, when Xerox spun off its business-process services in 2017. Those corporate transitions moved contracts, staff, and technology between owners and changed who delivers back-office and servicing functions for government and private lenders.

What that means for borrowers today

Federal student loan consolidation and servicing are now handled through contracts issued by the U.S. Department of Education to a set of student loan servicers. Private consolidation (also called refinancing) is offered by banks, credit unions, and specialized lenders. If you are a borrower with legacy accounts that were once handled by ACS, the servicing responsibility likely transferred to Xerox, Conduent, or another contracted servicer during those corporate transitions.

Claims and notes from older coverage

Older 2000s accounts credited ACS with significant consolidation volume and broad institutional backing. Specific claims about annual consolidation totals (for example, "around $300 million") and endorsements by particular institutions or states are repeated in some sources but should be verified for accuracy when you need them.

Practical steps for borrowers

  • Check your current servicer and loan status at the U.S. Department of Education's Federal Student Aid website (studentaid.gov) for federal loans.
  • For private loans, contact your lender directly or review recent billing statements to confirm who manages your account.
  • If you believe your account was transferred from ACS and records are unclear, request a full account history from your current servicer and keep copies of correspondence.

Bottom line

ACS was an influential outsourcing firm that provided student loan servicing; corporate mergers and spin-offs (Xerox acquisition and later Conduent) moved those lines of business. Borrowers with legacy ACS accounts should confirm their current servicer and loan details through official channels to avoid missed payments or miscommunication. 1
  1. Confirm the historical annual consolidation volume attributed to ACS (e.g., the $300 million figure).
  2. Verify specific claims that ACS had formal endorsements or "support" from the U.S. government, Wall Street, or the State of California for student loan consolidation.
  3. Confirm whether any ACS offices were located in Long Beach, CA or whether ACS headquarters were in Dallas, TX, for the time period referenced.

FAQs about Acs Student Loan Consolidation

Does ACS still operate as a student loan servicer?
No. ACS was acquired by Xerox in 2010 and many of its business-process services later became part of Conduent in 2017. Those corporate changes moved servicing responsibilities to new owners or successor contractors.
If my loan was handled by ACS, how do I find my current servicer?
For federal loans, check your servicer and loan details at studentaid.gov. For private loans, review your billing statement or contact the original lender to confirm who now services the account.
Did ACS consolidate large volumes of student loans?
Older reports attribute substantial consolidation volume to ACS, including specific figures cited in some sources. Those volume figures should be verified against primary records before you rely on them.
Can I still consolidate or refinance loans that were once with ACS?
Yes. Federal consolidation or income-driven repayment options are available through the Department of Education for eligible federal loans. Private refinancing is available from banks and private lenders for qualified borrowers.

News about Acs Student Loan Consolidation

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Final report calls for collaboration, not consolidation, between ACS and BCS - WLOS [Visit Site | Read More]

$3.25M student loan class action over prepayment settled - Class Action Lawsuits [Visit Site | Read More]

ACS’s $9 million settlement in New York places a spotlight on problems in student loan servicing - The Washington Post [Visit Site | Read More]

New Report Uncovers 5 Million Student Loan Servicing Errors, Jeopardizing Loan Forgiveness And Costing Borrowers Thousands - Protect Borrowers [Visit Site | Read More]

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