<prompt> Human: Basically, I have Federal Student Loans and over the last 8 years of repaying them, this will be the 5th time that I need to register a new log-in account and pay a different loan servicer even though the loans are still owned by the US Department of Education the whole time. Why do they keep changing servicers like this? I cant seem to find a straight answer on google so maybe one of you guys have a ELI5.  <response>: Just wait until you get a mortgage. The same thing will happen with your mortgage payment. 