CuriousGeorge: Student loan bothers I have, for the past 4 months, been making monthly payments to Company X, which is a collection agency, for an old student loan with the NY State Higher Ed folks. I have not missed a payment. Today, I get a call from Company Y asking me to set up payments for my student loan. When I say that I'm already making payment with Company X, they say "well, NY State transferred it to us, and we need to set up a new payment plan." Can they do this?