Fedloan has actually originated from the US Department of Education. It does not collect the payments of the student loans directly. There is a federal student loan servicer assigned to each of the students by the Education department. This is called Fed loan servicing and they are the ones to the disburse the student loan. It is this company who will actually provide the loan to the student. In case you have questions regarding the repayment or change of repayment plans then you can speak to your servicer.