Date Received: 2018-10-11T00:00:00
Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request – it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and ” ma’am I need to be patient ”. I still haven’t heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year ‘s worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as ” overpayments ” as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn’t count toward PSLF ). Please please help with this.
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3042785
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