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Having problems with customer service. Enrolled in paperless billing. Was not billed nor called. Was only notified when my payment was 60 days past due. Brought account current immediately ; reported as delinquent to credit bureau one month later. Second issue with this loan servicer in one year. Difficult to reach the right people to speak with. Reps insist they can help and refuse to place you on the line with a supervisor. Will claim they spoke with one on your behalf. Should have paid closer attention when doing my research about ACS Education. My other loans are serviced by XXXX XXXX never had a problem.