This may be the school where you received the loan, or a loan servicer working on behalf of the school or other holder of the loan. (studentaid.ed.gov)
Since loans may periodically be sold to a different lender, the current holder of a loan may not necessarily be the lender that originated the loan. (finaid.org)
Returns are capped — With debt investments, you're the mortgage holder of a loan secured by a specific property. (financialsamurai.com)