See all my research on AES/PHEAA, including student loan servicing, repayment options, and borrower rights. Click the link to learn more!
Quick Answer: This CFPB complaint shows how AES/PHEAA denied a borrower’s Public Service Loan Forgiveness despite 108 qualifying payments, then rejected their TEPSLF application because recent payments were below the calculated $350 monthly income-driven amount. The case illustrates common PSLF servicing issues where technical payment requirements can disqualify otherwise eligible public service workers.Date Received: 2018-12-31T00:00:00.000Product: …
Quick Answer: AES/PHEAA can help federal student loan borrowers access income-driven repayment plans, but poor customer service creates significant problems. This borrower called dozens of times over two months, repeatedly submitted paperwork, and received inconsistent information before finally reaching a representative who could properly process their affordable payment application.Date Received: 2018-12-31T00:00:00.000Product: Federal student loan servicingIssue: …
Quick Answer: AES/PHEAA is a legitimate federal student loan servicer, but this complaint reveals they initiated wage garnishment without proper 30-day notice as required by law. The borrower experienced involuntary 15% paycheck withholding and reports the servicer refused negotiations or adequate documentation.Date Received: 2018-12-16T00:00:00.000Product: Federal student loan servicingIssue: Struggling to repay your loanConsumer Consent Provided …
Quick Answer: This CFPB complaint shows a borrower disputing AES/PHEAA’s calculation of qualifying PSLF payments, with the servicer counting only 13 payments despite the borrower claiming 51 qualifying payments since working for eligible employers. The case highlights common discrepancies in PSLF payment tracking that borrowers face with federal loan servicers.Date Received: 2018-11-18T00:00:00.000Product: Federal student loan …
Quick Answer: AES/PHEAA’s loan servicing can both help and hurt borrowers, as demonstrated by this PSLF case where qualifying payment counts differed between subsidized (19 payments) and unsubsidized (2 payments) portions of the same consolidated loan. This inconsistent payment tracking highlights how servicer errors can significantly impact loan forgiveness eligibility.Date Received: 2018-11-14T00:00:00.000Product: Federal student loan …
Quick Answer: An AES/PHEAA complaint typically involves loan servicing errors that can jeopardize Public Service Loan Forgiveness (PSLF) eligibility. This borrower lost approximately 5 years of qualifying PSLF payments due to incorrect consolidation advice from AES agents, demonstrating how servicing mistakes can reset payment counts and delay forgiveness.Date Received: 2018-10-18T00:00:00Product: Federal student loan servicingIssue: Dealing …
Quick Answer: The AES/PHEAA CFPB complaint reveals how a borrower’s student loan payments went entirely toward accumulated interest for years after loan rehabilitation, with the servicer refusing to provide amortization schedules and later capitalizing all interest into principal. This demonstrates common servicing issues where borrowers struggle to understand payment allocation and loan balance calculations.Date Received: …
Quick Answer: A CFPB complaint against AES/PHEAA reveals a borrower discovered only one qualifying PSLF payment was recorded despite making payments for multiple years while employed at a nonprofit. The case highlights common servicing errors where borrowers believe they’re enrolled in Public Service Loan Forgiveness but payments aren’t properly tracked.Date Received: 2018-09-19T00:00:00Product: Federal student loan …
Quick Answer: AES/PHEAA can hurt borrowers by mishandling Public Service Loan Forgiveness applications, as shown in this complaint where the servicer failed to properly track qualifying payments for one year despite multiple submissions. The borrower received credit for only two years of payments despite working seven years in qualifying public service employment.Date Received: 2018-04-22T00:00:00Product: Federal …
Quick Answer: This AES/PHEAA CFPB complaint involves a father seeking cosigner release from his son’s private student loan despite the borrower’s strong payment history and $120,000+ household income. The complaint was closed with explanation by the company, highlighting common challenges borrowers face when requesting cosigner removal from private student loans.Date Received: 2017-10-26T00:00:00Product: Private student loanIssue: …
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