You&#x27;re right, Fed loans are paid off, not transferred for serving, perhaps... I originally assumed they would want to centralize servicing of Fed loans as well, and keep the underlying Fed loan alive underneath since it&#x27;s a cheap source of funds. But they don&#x27;t do that, probably not technically possible.<p>Did I read that right, refinanced &#x2F; private student loans are dischargable in bankruptcy?