AES-PHEAA

2018-03-13

Bohemia, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with non-monetary relief

Timely Response

2018-03-13

Colfax, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Since XX/XX/XXXX I have been enrolled at XXXX XXXX XXXX XXXX taking pre-requisite courses to seek entrance to XXXX school this coming fall. Last fall, XXXX XXXX automatically placed my loan into deferment based on my enrollment status. This Semester I am only taking a single course which dropped my eligibility below half-time ( I was unaware of the time requirement as I had never specifically applied for the deferment ). On XX/XX/XXXX, I received an email stating my deferment had been lifted and my payment was due ON XX/XX/XXXX, the same day as the deferment was lifted.I called in to discuss, and I was informed that because my account had direct debit established the payment was pulling the same day I received notification. No billing statement was ever generated in violation of the Fair Credit Billing Act. The payment did not auto-pull as I had been told, but my account is now showing as past-due because I failed to make a payment on the same day a deferment was lifted with absolutely no advance warning and no billing statement generated.
Company Response: Closed with explanation

Timely Response

2018-03-13

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX claimed possession of my legitimate student loan accounts ( XXXX, American Education Services, and XXXX XXXX ) in XX/XX/XXXX. I received a bill from XXXX XXXX in 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 and XX/XX/XXXX. During the last three years, XXXX XXXX claims that the fraudulent loan is also in default because I have not provided money for the company. This loan is not a valid debt. XXXX Servicing has also failed to demonstrate that I used my pin number or signature to authorize XXXX XXXX to consolidate loans from American Education Services, XXXX, and XXXX XXXX. The company has also used false information to force me to make payments for an account that was not created or authorized by me. The company often sends documents to my post office box and falsely claims that the documents were composed by The Department of Education.The Department of Education is located in Washington, D.C., and the organization does not collect student debt. The address for the company is as follows : XXXX XXXX XXXX ( XXXX ) Department of Education XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX. The company recently filed a false report with the U.S. Department of the Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. The U.S. Department of Treasury/Bureau of the Fiscal Service notified me that the company will retain my tax refund of {$360.00}. The Department of Education has not informed me of my rights regarding the situation, and they have not issued a letter of intent to collect the debt by applying eligible federal payments made to me. I contacted The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. I spoke to XXXX who informed me that my account was clear and no funds will be taken. XXXX informed me to contact IRS to resolve the problem. I contacted IRS on XX/XX/XXXX and spoke to XXXX XXXX. XXXX XXXX informed me that the IRS does not resolve the problem. When I attempted to contact The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX at a later time, an individual named XXXX picked up the phone and asked for my social security number. Once she entered the information, she abruptly hung up the phone. I could not contact a live person on XX/XX/XXXX for the rest of the day. Please be advised that the company ( U.S. Department of Education ) attempted to place false information on my credit report several times within the last three years. The information was removed on several occasions from my XXXX, XXXX, and XXXX credit accounts.
Company Response: Closed with explanation

Timely Response

2018-03-13

Key Biscayne, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I have contacted XXXX XXXX several times. I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.
Company Response: Closed with explanation

Timely Response

2018-03-13

Phoenix, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-03-13

Austin, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2018-03-12

Three Bridges, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-03-12

Berkeley, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-03-12

Lexington, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-03-12

Champlin, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2018-03-12

Raleigh, NC

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-12

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-03-11

Rochester, WA

Improper use of your report

Student loan: Federal student loan servicing

Reporting company used your report improperly
Complaint: There are multiple accounts from XXXX XXXX XXXX/ and other school loans that are showing delinquent. All student loans are current and combined into new rehabilitated loans that are current. I had contacted the loan providers to remove due to the current status and they denied compliance with my request. The negative loans still show on the various reporting agency reports.
Company Response: Closed with explanation

Timely Response

2018-03-10

Rochester, MI

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: I have tried to resolve this issue numerous time through with XXXX XXXX directly and also a previous compliant with CFPB. My student loan account is being INCORRECTLY report. I was awarded a forbearance from XXXX XXXX XX/XX/XXXX and XXXX is incorrectly reporting late payment. XXXX claims that such reports would not be updated due to regulations the FCRA of the initial accurate reporting. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section XXXX ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion ( below ) which interprets Section XXXX ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the XXXX XXXX ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX awarded me a forbearance starting XX/XX/XXXX through XX/XX/XXXX thus my payment history should report as such. * This fact is also stated by XXXX that they in deed granted a forbearance for that time period. XXXX ( a ) ( 2 ) clearly shows that the reports must be UPDATED/CORRECTED regardless of whether they were accurate at one point. I am requesting that in compliance with Section XXXX ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a late payments from XX/XX/XXXX to XX/XX/XXXX be updated and/or corrected on my XXXX, XXXX, and XXXX XXXX reports. XXXX violations to XXXX XXXX ( a ) ( 2 ) of the FCRA and refusal CORRECT my credit report are currently causing damages to me personally and inhibiting me from receiving the best interest rates in my home buying process. Below is the link to the FTC advisory opinion I stated earlier. I have also attached payment history from web portal on the XXXX website showing my account coming out of forbearance and not starting repayment until XX/XX/XXXX. I have attached both screen shots and exported XXXX XXXX XXXX : XXXX
Company Response: Closed with explanation

Timely Response

2018-03-10

HI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX denied an IDR application I submitted two times, each time acknowledging they had made an error and promising to submit it correctly. XX/XX/XXXX Submitted IDR application. XX/XX/XXXX XXXX XXXX XXXX believes the XX/XX/XXXX letter in the mail was sent in error and I do not need to re-certify by XX/XX/XXXX, which is why my IDR application was denied. XXXX put me on hold and discovered that because I had changed my due date in the summer of XX/XX/XXXX, I am still due for recertify. She stated she will submit for review and the person who had processed my IDR saw the wrong date so denied my IDR application. When I changed my due date in the summer, I still had 6 months of the 12 months which would be now. She will submit the application for review again. About a 30 min. phone call. XX/XX/XXXX XXXX - sending me to a specialist, I waited 10 mins to speak and I will have to wait another 5-10 minutes. XXXX-I had to ask for her employer id. Placed me on hold for more than XXXX minutes. The second IDR request submitted for review was denied because the person assumed that I was doing it too early ( Similiar to the first denial ). She had someone come and look who processes IDR application since she does not. They will try to process it by the end of the business day today. Again, a phone call of at least 30 mins. XX/XX/XXXX XXXX Called to follow-up on my application status since they stated it would be processed on XX/XX/XXXX. He noted it shows an expedited app. process on XX/XX/XXXX He is going to one of the processors to see where it is on the cue. He stated it will take 3 days, maybe up until next week due to the snow storm. XX/XX/XXXX XXXX - I called because my IDR application should have been approved, not denied, again. She said it was not her department. I said I wanted to file a complaint and she said she would transfer me. Did not get this employer ID #. She apologized for my application being wrongly denied. She stated she will personally have it done by today and by Weds. morning I should have something in my inbox. The same application I had submitted on XX/XX/XXXX was finally processed.
Company Response: Closed with explanation

Timely Response

2018-03-10

Staten Island, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I set up automatic payments, they stopped them. I saved my bank information, they removed it after being saved for months. I try to manually pay, nothing goes through. I try to update anything on their site, their site won't let me ( constantly errors out ). I emailed and called, no help. I can watch my interest accumulate, so there is that.
Company Response: Closed with explanation

Timely Response

2018-03-10

Jacksonville, FL

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: I am requesting all three of my credit files be updated with accurate credit reporting for all of my loans with XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. I have 8 loans with this servicer. All of my credit reports show current for XX/XX/XXXX, 90 days past due for XX/XX/XXXX, and 120 days past due for XX/XX/XXXX which is inaccurate. All 8 of my loans are in a deferred status.
Company Response: Closed with explanation

Timely Response

2018-03-10

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX, I received a notification from the Dept of Education that XXXX XXXX XXXX would be my loan provider. My loan was not posted to my account. When I called XXXX XXXX XXXX, they informed me it wouldn't be posted to my account until XX/XX/XXXX, several weeks later. During those weeks, my loans would be accruing interest yet I would be unable to make a payment. When I complained to XXXX XXXX, they were somehow miraculously able to post the loan the next day. This loan servicer manipulates payments in a multitude of ways. I experienced this through the entire repayment process for my undergraduate loans. This servicer does whatever they can to maximize interest expense at the expense of the borrower.
Company Response: Closed with explanation

Timely Response

2018-03-10

Spfld, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello, When I started my college education to become a XXXX XXXX I had spoke to finical aide office as I had concerns on taking out loans. I was informed that I had no issues to worry about because my loans would be forgiven as I was becoming a XXXX XXXX and that I qualified for loan forgiveness. I was also told I definitely would qualify as I was "XXXX". Fedloan in PA told If I consolidated my loans it was the best thing and that would lower my payments and interest. Now I have my degree and I am struggling to pay my monthly amount. I do not qualify for loan forgiveness because I do not work for a non-profit company. from XX/XX/XXXX-XX/XX/XXXX I have loans total amount of XXXX. Labs originally through XXXX XXXX, now XXXX and loans through XXXX. I am trying to find assistance on all the above as I was mislead. File Source:U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM (NSLDS) Student Enrollment Status Effective Date:XX/XX/XXXX Student Total All Loans Outstanding Principal:$XXXX Student Total All Loans Outstanding Interest:$XXXX Student Pell Lifetime Eligibility Used:831.773% Student Total All Grants:$XXXX Total DIRECT CONSOLIDATED UNSUBSIDIZED Outstanding Principal:$XXXX Total DIRECT CONSOLIDATED UNSUBSIDIZED Outstanding Interest:$XXXX Total DIRECT CONSOLIDATED SUBSIDIZED Outstanding Principal:$XXXX Total DIRECT CONSOLIDATED SUBSIDIZED Outstanding Interest:$XXXX Total DIRECT PLUS GRADUATE Outstanding Principal:$XXXX Total DIRECT PLUS GRADUATE Outstanding Interest:$XXXX Total DIRECT STAFFORD UNSUBSIDIZED Outstanding Principal:$XXXX Total DIRECT STAFFORD UNSUBSIDIZED Outstanding Interest:$XXXX Total DIRECT STAFFORD SUBSIDIZED Outstanding Principal:$XXXX Total DIRECT STAFFORD SUBSIDIZED Outstanding Interest:$XXXX Total FFEL STAFFORD SUBSIDIZED Outstanding Principal:$XXXX Total FFEL STAFFORD SUBSIDIZED Outstanding Interest:$XXXX Total FFEL STAFFORD UNSUBSIDIZED Outstanding Principal:$XXXX Total FFEL STAFFORD UNSUBSIDIZED Outstanding Interest:$XXXX Total FFEL CONSOLIDATED Outstanding Principal:$XXXX Total FFEL CONSOLIDATED Outstanding Interest:$XXXX Loan Type:DIRECT CONSOLIDATED UNSUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXXLoan Interest Rate Type:FIXED Loan Interest Rate:6.50% Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date:XX/XX/XXXX Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date:XX/XX/XXXX Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT CONSOLIDATED SUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.50% Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XX/XX/XXXX Loan Repayment Plan IDR Plan Anniversary Date:XX/XX/XXXX Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date:XX/XX/XXXX Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT CONSOLIDATED UNSUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.25% Loan Repayment Plan Type:INCOME-BASED REPAYMENT Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT CONSOLIDATED SUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.25% Loan Repayment Plan Type:INCOME-BASED REPAYMENT Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XX/XX/XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT PLUS GRADUATE Loan Attending School Name:XXXX XXXX Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date:XX/XX/XXXX Loan Period End Date:XX/XX/XXXX Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.41% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXXLoan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Status:IA Loan Status Description:LOAN ORIGINATED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:DIRECT STAFFORD UNSUBSIDIZED Loan Attending School Name:XXXX XXXX Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date:XX/XX/XXXX Loan Period End Date:XX/XX/XXXX Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.80% Loan Repayment Plan Type:STANDARD REPAYMENT Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:IG Loan Status Description:IN GRACE PERIOD Loan Status Effective Date:XX/XX/XXXX Loan Status:IA Loan Status Description:LOAN ORIGINATED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT STAFFORD UNSUBSIDIZED Loan Attending School Name:XXXX XXXX Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date:XX/XX/XXXX Loan Period End Date:XX/XX/XXXX Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.80% Loan Repayment Plan Type:STANDARD REPAYMENT Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:IG Loan Status Description:IN GRACE PERIOD Loan Status Effective Date:XX/XX/XXXX Loan Status:IA Loan Status Description:LOAN ORIGINATED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT STAFFORD SUBSIDIZED Loan Attending School Name:XXXX XXXX Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date:XX/XX/XXXX Loan Period End Date:XX/XX/XXXX Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.80% Loan Repayment Plan Type:STANDARD REPAYMENT Loan Repayment Plan Begin Date:XX/XX/XXXXLoan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date:XX/XX/XXXX Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:IG Loan Status Description:IN GRACE PERIOD Loan Status Effective Date:XX/XX/XXXX Loan Status:IA Loan Status Description:LOAN ORIGINATED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX XXXX(PHEAA) Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address:XXXX Loan Contact Web Site Address: Loan Type:DIRECT CONSOLIDATED UNSUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.55% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:DIRECT CONSOLIDATED SUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.55% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:DIRECT CONSOLIDATED UNSUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.55% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:DIRECT CONSOLIDATED SUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.55% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:DIRECT CONSOLIDATED SUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XX/XX/XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:4.50% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:DIRECT CONSOLIDATED UNSUBSIDIZED Loan Attending School Name:SCHOOL CODE FOR CONSOLIDATION LOANS Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date: Loan Period End Date: Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XX/XX/XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:4.50% Loan Repayment Plan Type: Loan Repayment Plan Begin Date: Loan Repayment Plan Scheduled Amount: Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date: Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:FFEL STAFFORD SUBSIDIZED Loan Attending School Name:XXXX XXXX XXXX Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Loan Period Begin Date:XX/XX/XXXXLoan Period End Date:XX/XX/XXXX Loan Amount:$XXXX Loan Disbursed Amount:$XXXX Loan Canceled Amount:$XXXX Loan Canceled Date: Loan Outstanding Principal Balance:$XXXX Loan Outstanding Principal Balance as of Date:XXXX Loan Outstanding Interest Balance:$XXXX Loan Outstanding Interest Balance as of Date:XX/XX/XXXX Loan Interest Rate Type:FIXED Loan Interest Rate:6.00% Loan Repayment Plan Type:INCOME-BASED REPAYMENT Loan Repayment Plan Begin Date:XX/XX/XXXX Loan Repayment Plan Scheduled Amount:$XXXX Loan Repayment Plan IDR Plan Anniversary Date: Loan Confirmed Subsidy Status: Loan Subsidized Usage in Years: Loan Reaffirmation Date: Loan Most Recent Payment Effective Date:XX/XX/XXXX Loan Next Payment Due Date: Loan Cumulative Payment Amount:$XXXX Loan PSLF Cumulative Matched Months:0 Loan Status:PN Loan Status Description:NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN Loan Status Effective Date:XX/XX/XXXX Loan Status:DA Loan Status Description:DEFERRED Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:FB Loan Status Description:FORBEARANCE Loan Status Effective Date:XX/XX/XXXX Loan Status:RP Loan Status Description:IN REPAYMENT Loan Status Effective Date:XX/XX/XXXX Loan Status:IG Loan Status Description:IN GRACE PERIOD Loan Status Effective Date:XX/XX/XXXX Loan Status:IA Loan Status Description:LOAN ORIGINATED Loan Status Effective Date:XX/XX/XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Disbursement Date:XX/XX/XXXX Loan Disbursement Amount:$XXXX Loan Contact Type:Current Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:PA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Contact Type:Current Lender Loan Contact Name:XXXX XXXX XXXX XXXX/XX/XX/XXXX-XX/XX/XXXX XXXX Loan Contact Street Address 1:XXXX XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:DC Loan Contact Zip Code:XXXX Loan Contact Phone Number: Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address: Loan Contact Type:Current ED Servicer Loan Contact Name:XXXX XXXX XXXX/XXXX Loan Contact Street Address 1:XXXX XXXX XXXX Loan Contact Street Address 2: Loan Contact City:XXXX Loan Contact State Code:GA Loan Contact Zip Code:XXXX Loan Contact Phone Number:XXXX Loan Contact Phone Extension: Loan Contact Email Address: Loan Contact Web Site Address:XXXX Loan Type:FFEL STAFFORD UNSUBSIDIZED Loan Attending School Name:XXXX XXXX XXXX Loan Attending School OPEID:XXXX Loan Date:XX/XX/XXXX Loan Repayment Begin Date:XX/XX/XXXX Thank you.
Company Response: Closed with explanation

Timely Response

2018-03-09

Jacksonville, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-03-09

East Haven, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with non-monetary relief

Timely Response

2018-03-09

Cheverly, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XX/XX/XXXX, my student loans were transferred to XXXX XXXX as part of the Public Student Loan Forgiveness Program. Within a month I contacted XXXX XXXX XXXX to inquire about how many more payments I have until I reach 120 payments ( and the 10 year service requirement ). The servicer said they needed 90 days to calculate my payments. After 90 days, I called again and was told they needed another 90 days to figure out my account because it seemed there was a consolidation error and all of my loans weren't counting towards my payoff. I asked who made this error and they blamed XXXX XXXX, my servicer in XX/XX/XXXX. They said XXXX XXXX was no longer in business so there was nothing I could do to address their error. I finally received a letter listing all of my qualifying payment details and the documentation said that most of my loans only had 6 or less qualifying payments and that two loans had 14 qualifying payments so far. I have been working in public service full time since XX/XX/XXXX. I consolidated my loans in XX/XX/XXXX and I got on Income Based Repayment ( a qualifying plan for PSLF ) in XX/XX/XXXX ( according to XXXX XXXX ). I have made 73 payments from XX/XX/XXXX to present day and have always paid the exact amount my servicer requested ( which is set each year when I recertify and stays the same amount for 12 months ). In other words, I have consistently paid the amount the servicer ( s ) told me to pay. However, now XXXX XXXX is saying that most of my loan payments don't qualify because my monthly payments didn't cover all of my loans each month and that I may have been late on payments. Aside from a few forbearances, I have NEVER been late on a loan payment. The money is directly debited from my account on the same day every month. And there is no reason for my monthly payment to not cover all of my loans unless the servicer ( s ) made an error. I have NEVER received documentation stating that my payments were short or that they weren't covering what was due monthly. This is incredibly upsetting. I have only worked in public service for these 7 years to take advantage of this program. I am sick to my stomach in thinking that I have been signing over close to {$1000.00} a month ( now {$1000.00} ) for years and there may be no return on the investment of my time, energy, and dreams. I could have done a million other things with my career and youth, that would have brought me joy but instead I took the responsible route professionally, made payments regularly, all to have XXXX XXXX XXXX tell me I won't be done with my payments until XX/XX/XXXX and XX/XX/XXXX to qualify. This is infuriating. BTW, when I called XXXX XXXX XXXX today they said it will take another 90 days to get me a document that explains exactly what went wrong with my 73 payments. So that means I will have been asking for them to resolve this for almost a year with no clear explanations. That is unacceptable. XXXX XXXX Supervisor : XXXX # XXXX
Company Response: Closed with explanation

Timely Response

2018-03-09

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-03-09

Pittsburgh, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2018-03-08

PA

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Problem with personal statement of dispute
Complaint: I have a federal loan with AES that I had perfect payment history on until they randomly locked me out of my account and were unable to resolve the issue so I began mailing in payments as opposed to sending them in electronically. I submitted numerous payments I have documented that actually put my loan account ahead of by overpaying every few months. At some point AES claimed I was 60 days behind on payments and put a delenquent mark on my credit report without notifying me. I have since resolved the issue and disputed the delenquent mark on my credit report, which caused my credit score to drop 100 points overnight, with AES however they just said No its a federal loan they cant do anything. I am currently in the process of getting a mortgage loan and the delenquent mark on my credit report is costing me getting a good loan rate. If you look into any credit Ive ever been extended you will find I have never been late on payments for anything. I feel there is something that should be some courtesy extended given my payments history as well as the circumstances in which an error was made on the part of the lender.
Company Response: Closed with non-monetary relief

Timely Response