Date Received: 2018-08-25T00:00:00
Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX XXXX XXXX I was told that I was not eligible for forgiveness because I didn’t have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn’t this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.
State/Zip: PA 156XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3001622
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