Call the number you have for the college loan and find out. If it looks like this may cause you problems, ask for a loan extension until February. I bank at Wachovia and they were bought out by Wells-Fargo. I don't know who owns the college loans. However, conversion starts this month. I would try to get an extension to last until after conversion is over with. I have been through bank conversions before and they can really mess things up even when they go right.