Sallie Mae/Navient is the servicer for the DOE, but they don't issue anything. See my edit. I think you are drawing on experiences with a system that hasn't e

Sallie Mae/Navient is the servicer for the DOE, but they don't issue anything. See my edit. I think you are drawing on experiences with a system that hasn't existed for nine years, at least as far as newly-issued loans are concerned.