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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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X12 144 — Student Loan Transfer Add-On Record

Transfer of a student loan between two lenders or servicers: payment history, remaining balance, terms, student info.

Purpose

The 144 standardises the transfer of an existing student loan between financial actors: secondary market sale (Sallie Mae → Navient → Nelnet), refinancing, consolidation. Includes all history needed for the new servicer to take over the account without disruption to the borrower.

Envelope structure

The 144 travels inside the three X12 envelope levels (ISA/IEA, GS/GE with functional group AL, and ST/SE). Didactic example in 004010:

x12 example-144.x12 
ISA*00*          *00*          *ZZ*LENDERORIG    *ZZ*LENDERNEW     *260516*1730*U*00401*000000144*0*P*>~
GS*AL*LENDERORIG*LENDERNEW*20260516*1730*1*X*004010~
ST*144*0001~
BTA*TR*LOAN-2024-447*20260516~
REF*LU*LOAN-2024-447~
NM1*IL*1*DOE*JOHN****34*123-45-6789~
NM1*FR*2*ORIGINAL LENDER*****FI*LENDERORIG~
NM1*TO*2*NEW LENDER*****FI*LENDERNEW~
AMT*PB*22500.00~
AMT*AI*150.00~
SE*8*0001~
GE*1*1~
IEA*1*000000144~

Common segments

  • Header — ST, BTA (Beginning of Transfer Add-On).
  • Loan reference — REF original loan ID.
  • Borrower — NM1*IL + SSN.
  • Transfer parties — NM1*FR From, NM1*TO To.
  • Balance — AMT*PB Principal Balance, AMT*AI Accrued Interest.
  • Payment history — SVD service detail.
  • Summary — SE.

Common pitfalls

  • Missing payment history: the new servicer cannot honour a payment-on-time history if the previous one does not transfer it.
  • Forgotten borrower notice: TILA requires written notice to the borrower within 15 days.
  • Transfer date without clean cutover: if day J-1 at old, J at new — avoid double-debit or interest break.

Documentation

The 144 code and the Student Loan Transfer Add-On Record name are public and listed at x12.org/products/transaction-sets. The full loops/qualifiers/code-lists structure is distributed by DISA via proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.