Chasing rates

So, I was reading on another blog how Washington Mutual, a bank where I already hold accounts, will give you a 4.75% rate. Now, that bests the 4.10% that is given by ING. It sounded good. L and I need a joint checking account anyway, this savings account has to be tied to a new checking account, so it seemed win-win. I signed up, put in the info, and told them to transfer $100 into each new account from my current WAMU savings. Seemed great. Well, then came the questions. Who was my first born? Is Pluto a planet or a planetoid? Who holds your student loans? How much do you pay?
Okay, so I had trouble with the last two, and thats, well, troubling. Who does hold my student loans? I haven't seen any literature from anyone on those in years, and the ways I figure it, they'll be coming due some time in summer. Or at least I'll start making payments on that gargantuan debt. So, thanks WAMU for making me realize that I need to figure out what the heck is going on with, by far, the largest and most important debt to my name. Between L & I, these loans make up the majority of our debt. About $38,000 worth. Its scary to think I don't have the slightest idea how they work at all. - S