Many student loan borrowers will begin repayments in October after a three-year pandemic pause.

But restarting regular monthly payments — for those who do not qualify for student loan forgiveness — could be complicated by changes in loan service providers.

Around 44% of federal student loan borrowers who begin repayment in October have a new loan service provider, according to the Consumer Financial Protection Bureau. Three loan service providers didn’t renew their contracts in 2021.

People who have had loans transferred to new service providers may see some issues and mistakes as regular payments resume. Common issues may be errors in loan balances and interest rates, incorrect payment status in reports to credit bureaus, not listing every payment the borrower has made, and changes to due dates.

Borrowers can identify their servicer, update contact information and see expected monthly payment amounts by logging into StudentAid.gov.

Navient, formerly part of Sallie Mae, was accused of “systematically and illegally failing borrowers at every stage of repayment” by the Consumer Financial Protection Bureau. After multiple lawsuits, the servicer terminated its contract with the Education Department.

The current loan service providers for the Federal Student Aid (FSA) program are: Great Lakes Educational Loan Services, Edfinancial, MOHELA, Aidvantage, Nelnet, OSLA Servicing, ECSI, and the Default Resolution Group.