My student loan was originally through Panhandle Plains and has been in repayment since 2003. I had never had any issue with Panhandle Plains and had my loan paid through auto debit. My loan was recently transferred to ACS. This is when the nightmare begins. As soon as I received the notice from Panhandle Plains (9/30/2010) that I would be dealing with ACS, I created an online account with ACS, filled out the paperwork for auto debit and sent it in with a cancelled check. On 8/20/2010, I attempted to sign in to my online ACS account... read full review »