Crazy times here right. So amidst trying to keep payments to settle my private loans and being unemployed I found out something distressing. My federal student loans (Stafford I believe) are not owned by the Department of Education. So believing my loans were in deferral I was perplexed by Navient sending me a nasty email. I log in, my accounts are delinquent. I’m angry and I call them up. I’m told my loans are not covered by the cares act or the presidential mandate. I tell them they are federal loans, they tell me they are not owned by the DOE…Who owns them I ask…silence "I don’t know, I’d have to ask my supervisor "…What? How can they not be owned by the DOE? Ok whatever, it is what it is. But now I want to know, if I consolidate these loans (haven’t done that yet) will it put them with the DOE? Is there a way to choose the lender when I consolidate? Does anyone have any info on this weirdness? God I wish I had never gotten involved with this business…if I could return my degree I would! Thanks in advance.