Have about $100K overall student debt, about 1/2 of which is with Citibank. They take monthly payments directly from my Citibank checking account, but I don't get a statement or warning that they're going to do this, so that's frustrating. At least I have a non-fluctuating interest rate. Probably won't be able to pay these off for 20 years. I have three different loans with Citibank for some reason -- they never consolidated into one, but they do take all the money out in one chunk (about $350 per month for this loan group).