<prompt> Human: I hope Im posting in the right place, if you think this belongs somewhere else please let me know.Once the loan was sold I got the paperwork and was able to sign in online and see the debt, I made my payment and went on my way.Three weeks later and I try to sign in to make another payment and my username is rejected. I couldnt have had the wrong username password since I have that information stored safely away. Plus when I use the wrong password it gives me a different notification.So I call them. Lo and behold their phone plays the automated message: the subscriber you have reached is out of the service area.Ive been trying for over a week and a half to get through and my bill is due on the last of the month, Im completely confounded. Im not alone, in my googling of KSA Servicing I found this mint.com topic: The topic is supposed to address mint support of KSA, but has turned more into group therapy about how we are all fucked.So I guess my question is, other than keep trying because I am, what do I do? Is this going to affect my credit if I dont pay until I can talk to someone?EDIT:I finally got through to their phone system, but after over an hour of waiting and no one picking up I decided to use their automated system which I really didnt want to do since there isnt any paper trail about the payment other than the withdraw posting to my bank account. Hopefully they will get their shit together and I can use the online system next month. In the mean time Im going to contact every single person mentioned in this thread and complain.Its absurd to me that my loans would be sold to some company that cannot handle the increase in traffic. Thank you all for your advice! EDIT 2The mint forum received this post from a KSA employee for anyone interested:Dear mint.com users, I do want you to know that I have been monitoring all of your comments and passing them on to management. Please believe me when I say that they are not falling on deaf ears. And, quite frankly, we do not begrudge you the right to voice and file your complaints. While we certainly do not excuse the inconveniences that you have been experiencing, for all of the planning, preparation, and training we at KSA have undergone, several things have occurred both inside and outside of our control that have drastically affected our ability to provide the quality customer service we are so determined to deliver. Those issues are being worked on as expediently as humanly possible, including the problems with the phone line licenses why you are receiving a fast busy or call back later message or not getting through at all. However, these issues will not be resolved overnight. We are also requiring mandatory overtime for staff, utilizing back-up staff to assist with the call volume, and performing additional document processing and e-mail queue work on the weekend. This will continue until all issues are resolved and servicing reaches an acceptable level.If you submitted payments to your previous servicer, it will take 60 to 90 days post-conversion for the payments to be posted to your account and will reflect the date the payment was made. Likewise for forms and paperwork. If your paperwork was submitted to KSA and has been received by us, it is being worked in the order in which it was received and processing will reflect that date. Specifically, the correspondence queue currently being worked is on Feb. 1st; the repayment plan queue e.x. IBR processing is on February 2nd; the e-mail queue is on February 8th; and the defermentforbearance queue is on Feb. 18th. Call wait time is still very high, due in part to this problem with phone line licenses, but if you do get through - I strongly encourage you to select the option to receive a call back to the number from which you dialed. It may take 24 hours to receive a call back. Finally, please note that KSA does NOT charge late fees and has no plans to do so unless mandated by the Department of Ed. If I can be of any other general assistance, I am happy to do so. And again, I apologize for our failure to deliver high quality customer service from the start.Sincerely, Erin KSA Servicing  <response>: Not sure if you have found this yet but KSA Servicing is a division of Kentucky Higher Education Student Loan Corporation. You could also try contacting this company directly here is their contact page: They may be able to help you get your payment processed through their subsidiary. The most direct number I was able to find for them is 502-329-7134. Another useful organization is the Better Business Bureau, they can help you resolve a complaint with the company. The Kentucky Higher Ed. Student Loan Corp BBB page is: The Senior Vice President for Customer Relations at Kentucky Higher Ed. is Ted Franzeim. Here is his LinkedIn page: I tried to find his office number but no luck so far.The United States congressman for the district where Kentucky Higher Ed. is located is John Yarmuth. I would reach out to him if you are unable to get anything resolved with the company. His contact info is here: Please dont let this company get away with charging you late fees, extra interest, or anything else. Predatory lending among student loan lenders is becoming a major problem. Weve got to fight back against these companies. Let us know how it turns out. 