If you’ve taken out any student loans, you may recently have received notice that your student loan servicer is changing. We’ll explain what a student loan servicer is and why they’re making changes. If you haven’t yet started your college essay, we have tips to get you writing and editing this in time for regular decisions deadlines. Finally, if your student isn’t interested in applying to college right now, it might be time to consider a gap year. We’ll talk through how to think about that option.