I have had the same experiences with ACS as many of you. My loan has just changed hands from a local company to this ACS-EDUCATION. Not only am I having the same problem wherein I made payments to my prior loan company that ACS does not show, but now current payments I make to ACS don't even show on my account! I guess you need to make your payment a full week or two early to avoid late charges. Their customer service is HORRIBLE. I called to express concern over my payments not showing, and they would not answer a single question... read full review »