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Graduates arrive for commencement at the University of California, Berkeley, in Berkeley, United States May 16, 2015. REUTERS/Noah Berger Trump to offer exclusive contract to service U.S. student loans Trump to offer exclusive contract to service U.S. student loans Graduates arrive for commencement at the University of California, Berkeley, in Berkeley, United States May 16, 2015. REUTERS/Noah Berger WASHINGTON President Donald Trump's administration will soon offer an exclusive contract that will give one company the right to service billions of dollars of outstanding federal student loans now handled by four companies, officials said on Friday. The U.S. Education Department, led by Trump pick Betsy DeVos, said the streamlining will save money and increase efficiency. But critics said student borrowers could suffer because a single company would be granted a monopoly, with no incentive to provide better customer service. The Trump approach would represent one more radical change for the financial aid system that former President Barack Obama overhauled. Under Obama, a Democrat, much of the $1.3 trillion business of student lending was moved from banks and other companies to the federal government. Four companies still handle servicing the loans. Navient Corp (NAVI.O), which was spun off Sallie Mae (SLM.O) in 2014, is the largest.

So granola bars are great, those protein bars people like to carry.” —Huang Water: “It’s really important to stay hydrated — that’s one of the biggest challenges for people involved in protests and demonstrations and marches. You definitely want to make sure that you have a water bottle and that it will be full.” —Huang A plastic poncho instead of an umbrella: “I’ve always thought that a good poncho at one of these things is a solid way to go. You can keep your hands underneath your poncho, including your bags and everything else you’ve got.” —Stille “I would recommend a poncho over an umbrella because many people are going to be making signs … and that’s hard to do if you also have to hold up an umbrella.” —O’Neill Money: “If you can, you might want to bring some extra money and pick up warm liquids like teas and coffees and little things as you’re walking by stores and vendors.” —Huang A portable phone charger: “One of the best things to carry is actually a portable charger that doesn’t need to be plugged in, like a Mophie or one of those things, so that you can recharge your phone.” —Huang A plastic bag (inside your bag): “Keep a gallon-sized Ziploc in your bag, put a little trash bag in there that you can wrap everything in your bag up if it does rain. It stinks carrying around a soaking wet bag.” —Stille A sign: “Homemade signs are the best, and your best option is to bring signs where you can convey your messages on both front and back of the sign, so that no matter where somebody is standing, they can see your message and probably identify with you.” —Huang Small first-aid kit: “A first-aid kit is handy. It’s actually even good just to have Band-Aids if somebody has blisters on their feet from walking too long.” —Huang Medication (if you need it): “They will be able to bring their medicine through the checkpoints. It’s useful if it’s in a clear bag, but definitely that is obviously highly permissible.” —O’Neill An index card with important numbers and addresses: “Bring an index card with the phone number of the folks you’re traveling with and the address of the place you’re staying.” —Stille A bandana (more on this later …): “Sometimes we’ve used them to hold over our mouth when there’s been tear gas in the air, and that helps to filter things out. It can be used for all kinds of things, including mopping things up and even identifying people you are marching with.” —Huang Don’t go alone (or at least, meet a buddy on the way): “If you can, don’t go by yourself. Go with friends or find a group that’s marching like Amnesty , and sign up with them [online] so that there will be other people looking out for you and keeping tabs on you just as you’re doing for them.” —Huang “I always highly recommend the buddy system.

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