AES-PHEAA
Consumer Complaints
There are over 9925 complaints on file for AES-PHEAA. Dated between 2019-12-11 and 2012-03-07.
Complaints Page 82
2019-01-13
MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Previous complaint XXXX claimed to be resolved but illegally capitalized interest magically reappeared in XX/XX/XXXX ( after being previously removed in XX/XX/XXXX ). Received letter from XXXX XXXX XXXX back in XX/XX/XXXX stating the illegally capitalized interest would be removed and it was removed back in XX/XX/XXXX then magically came back again in XX/XX/XXXX. Not sure why capitalized interest which was previously removed in XX/XX/XXXX magically reappeared. See two attached documents for more information!
Company Response: Closed with non-monetary relief
2019-01-13
Glendale, CO
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-01-13
Brockport, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2019-01-12
Little Rock, AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-11
Spring Hill, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I completed my XXXX XXXX XXXX in XXXX. In summer XXXX I was offered an opportunity for loan reduction and forgiveness ( if eligible ) by XXXX via mail. I called and spoke to a rep about the offer. I completed an application for loan consolidation and forgiveness.
Upon processing, I was told I was approved. My monthly payment would be {$12.00} for the next 240 months, at which time the remaining balance would be forgiven. The only condition was I had to re-certify my income each year. This remained true until XX/XX/XXXX.
I called on XX/XX/XXXX to check on the status of my account and latest re-certification. I was told it was being reviewed, but me new payment would be between {$68.00} and {$130.00}. I was told the increase was because my family size decreased from XXXX to XXXX. This is incorrect Upon re-certifying my income, my monthly payment increased to over {$250.00}. I called customer service and was told there was an error on my application. I needed to correct and resubmit my application. I asked why the payment would increase so much even with the error. I was told because my family size decreased from XXXX to XXXX and my income increased. That information is incorrect. My family size has always been XXXX and my income decreased from XXXX to XXXX.
Upon correction, re-submission and review I was notified via email my new payment was about {$220.00}.
On XX/XX/XXXX, I called customer service to see if my payment could be adjusted and ask why so high of an increase. I was offered 2 payment plans that were still much higher than {$12.00}. I asked to speak with someone who could explain why these amounts were so much higher.
I was transferred to another department. This rep told me again, the change in payment was because my income increased. Upon further review, he also said the original processing agent made an error. I was never eligible for the {$12.00} monthly payment plan. I asked to speak to someone higher up since this was not my error.
I was transferred to an escalation agent Upon review, this agent told me that I am indeed eligible for the original {$12.00} payment plan I was on, but had to review my information further with the appropriate person and call me back.
The next day ( XX/XX/XXXX ) i received an email stating my IDR request had been denied. I never submitted another request.
I called again on XX/XX/XXXX to ask what this was in response to. It was explained to me that A review of my account was submitted It was determined that I was previously on a PAYE plan.
Because of my current income and family size, I was no longer eligible for the PAYE plan.
The rep who went to process, put me on the income contingent plan because I did not request the PAYE plan ( i was never offered this option or told that would be the appropriate next step ).
The email I received stating my IDR request was denied was in response to a submission for partial financial hardship ( i never submitted such a request ) Following this phone call, i was told to allow 24 business hours to receive a call back from the escalation agent who said she needed to review my account further.
It has been over a month since I first contacted them about this issue. I've sent over 5 written correspondence with no response. The information I have is from 5 phone calls.
Company Response: Closed with explanation
2019-01-11
Reeds, MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX held my loan, I applied for deferred payment for several years and had requested information concerning forgiveness through my employment at a non profit hospital. XXXX refused to help and never disclosed the information about forgiveness through my employment. I applied for a VA loan with my veteran husband in XX/XX/2018. I was told I needed proof of my student loan repayment and was told to reapply for my income driven repayment plan. It was also suggested by my mortgage broker to apply for the nonprofit employment forgiveness program in which I did. I received a letter stating I was being processed for this program and assumed XXXX would contact me about further developments on my applications. I received emails from XXXX when my income driven application was received and when it was approved. I moved into my new home in XX/XX/2018. During my move I did not receive any further correspondence with XXXX. Then in XXXX I received a bill forwarded from my old address from XXXX. I had never heard of this company nor been notified about changes in my loan account. I called and spoke with a representative and questioned what was happening as I was sent a bill for an {$800.00} payment and a message that stated I missed the income driven repayment deadline. I was told XXXX sold my account and did not forward any income driven application or information of my application from XX/XX/2018. I have sent numerous emails and called XXXX. XXXX has not responded to any of my emails requesting they validate my application from XXXX so XXXX knows I applied then. My last phone conversation with a XXXX Representative I was told the {$800.00} bill would be removed from my billing and the new application was accepted with them for a {$120.00} payment. I received another email requesting the {$800.00} and a message stating my credit report would be marked negatively by this inability to pay the amount of the first bill they sent. I can not pay the {$800.00}. I have been treated unfairly by XXXX and XXXX. I will continue to persue help with this as I have done nothing wrong and been diligent in taking care to apply for income driven repayment as I am on a fixed budget. Please help me resolve this. I had XXXX XXXX and was on FMLA from XXXX XXXX XXXX and unable to fully deal with this stressful situation due to my medical issues. I would like to file a formal complaint against XXXX with student loan.gov for not informing me of the opportunity to apply for and receive forgiveness by working for a nonprofit hospital and not forwarding my application for income driven repayment I submitted to them XX/XX/2018. I need XXXX to correct my account and not make it out to be my fault Navient didnt send all my application information to XXXX.
Company Response: Closed with non-monetary relief
2019-01-11
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-01-11
Charlotte, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My interest is being capitalized on my student loans unlawfully and because of XXXX 's unlawful practices. I pay my student loans based on an income based repayment plan. I received a notice on XX/XX/XXXX, that I would need to recertify my income in about two months and if the recertification was not received by XX/XX/XXXX, my payment would go up. On or about within 72 hours of receiving the notice to complete the recertification, I uploaded my application on the XXXX website on XX/XX/XXXX, and on XX/XX/XXXX, I received a notification that the application was incomplete and needed additional information. I uploaded the requested information to XXXX on XX/XX/XXXX, two weeks before the XX/XX/XXXX, deadline from the XX/XX/XXXX, letter. Pursuant to the letter dated XX/XX/XXXX, my correct application was received two weeks prior to XX/XX/XXXX, and my application should have been processed and not resulted in an escalated payment in XX/XX/XXXX. I realized I had not had a response on my income based repayment application and called XXXX as well as resubmitted my income based repayment application again just to be double sure it was received. I requested my new payment amount and was told that my application had not been processed due to a backlog of unprocessed recertifications on XXXX 's part. I asked that my payment be recalculated so I could make my XXXX payment. I was told that could not be done and a new bill could not be issued for XX/XX/XXXX and once mentioned I would be filing a complaint with the CFPB, which I have done, the call was escalated and I was told by the representative that they would go ahead and immediately process my income based request and would try to have the XXXX payment corrected, but they could not guarantee that would happen. I called at the end of XX/XX/XXXX when I noticed I had no automatic debit for XX/XX/XXXX scheduled on my account and the representative told me XXXX had placed my loans on a forbearance without my permission and the type of forbearance was a status that signified that it was due to a servicer issue. I specifically noted how that would affect me by extending when my loans will be ultimately forgiven and how this was done through no fault of my own. I also specifically asked about interest capitalization and was told that would NOT happen because the status of the forbearance was due to a servicer issue. I received an email tonight, XX/XX/XXXX, at XXXX XXXX stating that if the interest was not paid by XX/XX/XXXX, outstanding interest in the amount of {$18000.00} is going to be capitalized. I did not request a forbearance, change in repayment plan, etc. XXXX did not process my recertification application in time and placed me into a forbearance I did not request and is now going to capitalize {$18000.00} in interest on my student loans. This is unlawful and an abuse of power. I am looking for someone to assist in correcting XXXX 's egregious wrongs. PLEASE HELP!
Company Response: Closed with non-monetary relief
2019-01-11
Key Biscayne, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I started employment with the XXXX XXXX in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX I secured a letter from my employer for the PSLF. Automatically, XXXX took over my XXXX consolidated loans and sent me a bill with incorrect information regarding my PSLF payments ( they claim I only made 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS ). This is incorrect because I had made 49 qualifying payments to both DLSCNS and DLUCNS. I contacted XXXX at their call center several times to correct their mistake but they have not corrected the information. I have kept paying my student loans with them making the qualifying payments since I am in a qualifying repayment plan with them. However, XXXX sent me the XXXX bill which still shows 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS. This is still incorrect because I have made 57 qualifying payments to both DLSCNS and DLUCNS. Please help me correct XXXX mistake in calculating my PSLF qualifying payments.
Company Response: Closed with non-monetary relief
2019-01-11
Watkins, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-11
Palos Park, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am a veteran that has a VA rating 100 % based on my XXXX XXXX. My loans were approved for discharged by XXXX XXXX XXXX department. The letter stated that my loan holders had 150 days to return any payments I have made since the date of my XXXX by the VA.
The approval letter from XXXX XXXX XXXX XXXX was XX/XX/2018. My other loans had re paid all my payments and have discharged my account and closed the account. XXXX, as of now, has yet to repay me for payments made and every time I call, no one seems to know the status of my account. I have talked to supervisors, who gives false statements to get me off the phone.
I talked to a supervisor who stated that it was the responsibility of my other loan holders to re-issue payments to me.
Another supervisor, explained that it was the responsibility of the Department of Education to discharge loans and to issue out any payments.
The 150 day period for repayment was due XX/XX/2018. I have not received any letter or phone calls regarding the status of my account and payment refunded to me.
Its sad that veterans and others get treated like this from a company who refers its lead as a place that takes care of its customers. I have XXXX and I get so frustrated and angry when I talk to one of their representatives.
Company Response: Closed with explanation
2019-01-11
Little Rock, AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I consolidated my loans to XXXX years ago. I filled out documentation to follow a IBR plan and the public service loan forgiveness plan. The PBLF will forgive debt after 10 years of payments. I submitted the proper paperwork proving that I had approved work since XX/XX/XXXX- XX/XX/XXXX and many years after. In XX/XX/XXXX, when buying a house and asking for the PSLF credit, they told me that I could not get credit for over 6 years because my loans were not consolidated with them. THEY WERE. My loans were supposed to be forgiven according to the PSLF rules in XX/XX/XXXX, however, I only got credit beginning in XX/XX/XXXXuntil now.
My loans were consolidated with XXXX from XXXX. XXXX was horrible and never informed me correctly of my loans and falsely informed me that I was getting credit before consolidating. XXXX customer service reps are inept. I faxed and mailed my documentation to them and they sent me a letter with the WRONG employer on it!! I, according to their letter, could not get credit because I had not worked at the place they put on the form. I had all of the CORRECT information on the form, including address, phone number, EIN of the employer, PLUS signature of HR and they STILL put the WRONG employer in the system ... refusing to correct it and give me credit. They are not friendly when you call/contact and NEVER fix their mistakes.
I am still getting interest added on loans that should have been dissolved and forgiven by the rules and now my loans have more than TRIPLED!! The balance on my loans is more than my current MORTGAGE debt!!!!! That is ridiculous and they are taking advantage of consumers. They are careless!!
Company Response: Closed with explanation
2019-01-11
Dellslow, WV
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am currently enrolled in college and my servicer is telling me that my payments are past due, with no grace period, or time to finish school. Theyre trying to say that Im past due, but I am still enrolled in school until XX/XX/XXXX!
Company Response: Closed with explanation
2019-01-11
Palos Park, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am on the Public Service Loan Forgiveness ( PSLF ) program. I started working at a XXXX XXXX 15 years ago and received certification stating my employment qualified. Ive made over three years of on-time payments under Income-Based Repayment ( IBR ) plan so far which were more but I was not informed that my loan needed to be transferred to XXXX until 4 years ago. I have submitted Employment Certification Form ( ECF ) in XX/XX/2018. Their acknowledgement letter stated that my employment qualified. However, my statements have stated 4 payments made go toward PSLF. I have called XXXX several times but they stated it would be updated which never was and we are approaching a year later with no correction. Also, I was not aware of the difference of loans from FFELP which I originally had vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received 10 years ago stated that the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as Stafford and Plus on loan description which led me to believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear 10 years ago when I actually looked into PSFL which put me back 5 years. While I believe important letters like this should have been delivered in writing 10 years ago. I understand there are thousands of others in my same situation by reviewing complaints and the news. I also read about class action lawsuit. So I decided to look out for help as well. XXXX XXXX should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was would qualify. I would like see if anyone can help me to correct the issue. Thank you!
Company Response: Closed with explanation
2019-01-11
Washington, DC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Dear Sir or Madam : This letter is to file a complaint against the student loan service provider, XXXX XXXX for misleading me to believe that I have made 24 qualifying payments under the Department of Education ( DOE ) Public Service Loan Forgiveness ( PSLF ) program.
On XX/XX/2019, after reviewing my student loan portal, I noticed that only 16 ( and not 24 ) qualified payments had been applied to my account. I phoned XXXX customer service asking for clarity. A supervisor explained that some of my payments only satisfied the monthly balance due and not the PSLF monthly balance.
Below is an illustrative example : PSLF tells Student Borrower ( SB ) to pay $ XXXX monthly starting XX/XX/XXXX. XX/XX/XXXX arrives and SB pays {$100.00}. {$1.00} exceeds the January balance and applied to the XXXX balance, reducing it to {$99.00}.XX/XX/XXXX arrives and SB pays {$99.00}, the balance due for XX/XX/XXXX. However, the payment does not satisfy the PSLF requirement and is therefore not a qualified payment.
I have eight months of on-time non-qualified payments because I overpaid and then subsequently underpaid or, in other words, paid the actual balance. I see nowhere on my XXXX account that highlights or notates a difference between the balance due payment and the PSLF payment. In fact, as far as I can see, there is nowhere that displays the PSLF monthly payment, particularly after an SB pays over the monthly balance, what XXXX calls paid ahead.
The XXXX supervisor explained that DOE guidelines is the cause of the confusion ; however, an easy solution for FedLoan to avoid the confusion is to prominently display both the XXXX monthly balance and the PSLF monthly balance.
Id also like to note that I am a XXXX XXXX, XXXX employee who believes in the spirit of the federal student loan forgiveness program. However, the program execution has seemingly failed people like me.
I ask that my eight ( 8 ) on-time non-qualified payments be applied towards my PSLF count and that the power of your office demands improved transparency for XXXX SBs.
XXXX XXXX said that it will conduct a review of my account, which could last up to a year to complete.
Company Response: Closed with explanation
2019-01-11
WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.
Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.
I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.
Company Response: Closed with explanation
2019-01-11
MA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.
Company Response: Closed with explanation
2019-01-10
Wesley Chapel, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XX/XX/XXXX, I entered into the Public Service Loan Forgiveness Program and my servicing company was XXXX. XXXX was very easy to work with always had the most accurate information. Information regarding the number of qualifying payments was available and up to date on their website. In XX/XX/XXXX, my loans were taken over and transferred by XXXX XXXX without my request, approval or knowledge. I found out this occurred the next time I contacted XXXX. Since I am nearing retirement age, I am always checking to see what the status is of my " qualifying months ''. Every year I submit a new Employment Verification form as advised by the Department of Education. I contacted XXXX XXXX to request this information and they have NEVER been able to tell me what the number of qualifying months is. The employees who are supposed to provide customer service are anything but. They have an attitude and skirt around every question or request for information I present to them. The ONLY place you can find the qualifying number of payments is on the statement. However, the number of qualifying months KEEPS CHANGING going up and down, mostly going down and my student loan balance keeps going up. They aslo tell me they can not verify any of the payments made to XXXX yet my account was transferred to XXXX XXXX. On XX/XX/XXXX, I contacted them because the XX/XX/XXXX Statement shows only 12 qualifying payments, however, the XX/XX/XXXX statement shows 32 qualifying payments. I thought perhaps there was an error in adding the newly approved payments from the recently submitted Employment Certification Form to the already identified 32 qualifying payments. I was told that since I requested an audit on my account ALL the payments had to be re-verified. This process has been going on since XX/XX/XXXX and they could not tell me how long it would take. I asked to speak to a manager and was basically told that's they way they do things, would not provide me any policy stating the process, did not offer to expedite the process and said this could cause my qualifying payments to do down. Now how hard is it to qualify the payments each year and then add the new qualifying payments each year they receive an Employment Certification form. It is very disenchanting when the qualifying payments becomes a moving target. I am unable to plan for my retirement not knowing how many more years I have to work so my loan will be forgiven. In the meantime, my balance keeps going up and if my qualifying payments are one short, I will owe the entire amount irregardless of what I have been paying since XX/XX/XXXX.
Company Response: Closed with explanation
2019-01-10
Seattle, WA
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: My loan servicer AES will not follow up with the lender XXXX ( XXXX XXXX XXXX ) about my application for cosigner release. I meet all the requirements they advertised to qualify for cosigner release and XXXX XXXX tactic now it to just ignore the application, which was sent almost a year ago now. Whenever I ask for a status update from AES they give me the dismissive response that " the lender hasn't replied yet, sorry ''. Cosigner release was a advertised benefit of good payment history and good credit. It is false advertising to then ignore and deny applications for the benefit.
Company Response: Closed with explanation
2019-01-10
Bakersfield, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-10
Cypress, LA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-01-10
Queens, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.
Company Response: Closed with explanation
2019-01-10
Louisville, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XX/XX/XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XX/XX/XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.
Company Response: Closed with explanation
2019-01-10
Lake San Marcos, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-09
Washington, DC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XX/XX/XXXX Dear Consumer Financial Protection Bureau, I hope you can help. I have been corresponding with the Pennsylvania Higher Education Assistance Agency, aka XXXX, about my eligibility for PSLF. They estimate my eligibility for student loan forgiveness to be much at a much later date than I anticipated. After requesting an itemized list of what they deem eligible payments, I was surprised to find that many of the payments I made ( see the correspondence below and the attached documents for the dates concerned ) are a few dollars short of what they consider to be a full payment. The reason for this is because they had not sent me my revised income based recalculated payment amount. Instead, I had to estimate it using an income based repayment calculator. I definitely would not have made payments falling short of the full amount by a few dollars had I known the correct amount, and I was never notified of any shortfall until now.
As a result, they are not counting many of payments, which fell short of what they claim is a full amount by a few dollars, and in many cases, by less than a dollar, toward PSLF.
I offered to make up the difference, and they refused. Any help you can provide would be greatly appreciated. I also do not recall requesting a forebearance in XX/XX/XXXX, which also affected my eligible payments.
Thanks for your time, XXXX XXXX -- -- -- [ XXXX ] Re : Public Service Loan Forgiveness << Reference ID : XXXX Thank you for contacting XXXX XXXX!
Please keep in mind in order for your payments to count towards Public Service Loan Forgiveness, you must make your full installment amount each much.
When you are approved for a Income Driven repayment plan you receive a copy of the approval which lists your monthly installment amount.
The Forbearance that was applied to your account on XX/XX/XXXX was due to your Income Driven repayment plan being approved.
Please use the " Contact Us '' link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ).
Sincerely, XXXX XXXX XXXX -- -- -- Hello, I am writing in response to case number XXXX for account number XXXX XXXX XXXX. Thank you for responding to my request for an audit of my eligible payments for PSLF. I see your record of my payments listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, an XX/XX/XXXX ( please see the attached document ) are recorded as falling short of being an eligible payment by a few dollars or less. The reason for this is I did not know how much my monthly payment was during those months and I was not aware that I had not paid the full amount until now. As you can tell from the fact that I regularly paid my bill, including during those months, I intended to make the full payment, which is why I fell short of the full payment by a few dollars.
For that reason, can I make a payment to make up the several dollar deficit of those monthly payments so that those monthly payments can then count toward my eligibility for PSLF?
Finally, I do not recall requesting a forebearance in XX/XX/XXXX, and request that you reconsider whether the payment made on XX/XX/XXXX counts toward PSLF eligibility.
Thank you for your time, XXXX XXXX
Company Response: Closed with explanation