I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.