Just been reading up on student loan servicers and honestly, the landscape is getting pretty complicated with all these policy changes happening. So I'm looking at this list of student loan servicers that are actually federal-approved, and the main ones everyone talks about are Aidvantage, Nelnet, and MOHELA.

Aidvantage seems solid if you're trying to manage different repayment plans—they handle the standard stuff plus income-driven options and military benefits. Nelnet's interesting because they also do private loans on top of federal servicing, with rates floating around 3.47% to 5.81% depending on whether you lock in fixed or go variable. They'll knock 0.25% off your rate if you do auto-pay, which is pretty standard across servicers.

MOHELA's similar—also offering that 0.25% reduction for autopay. Their federal loan rates are higher though, ranging from 6.39% on undergrad subsidized loans up to 8.94% for PLUS loans. The thing that's got everyone talking is this new Repayment Assistance Plan (RAP) that's replacing older income-driven plans by 2028. Advocates are warning it might not be as good as what people had before, so if you're picking from a list of student loan servicers right now, you probably want to understand what you're signing up for.

Anyone else dealing with this? Trying to figure out which servicer actually works best for your situation seems harder than it used to be.