Product: Student loan

I originally took out private student loans through PNC for my XXXX degree at XXXX XXXX University. I was a XXXX XXXX XXXX at XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I then took out federal loans for XXXX XXXXl. I was a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The problems with my loans arise from the private student loans provided by PNC. PNC uses the service provider XXXX. ( My loans from PNC, now totaling {$130000.00}, have an average interest rate of 8.19 % and they have accrued an additional {$60000.00} in interest. My current monthly installment for my XXXX loans is over {$1300.00}. ) ( My federal loans have an interest rate of 6 % totaling around {$220000.00}. My current monthly payment for XXXX XXXX is over {$2500.00}. ) After I finished XXXX XXXX in XX/XX/XXXX, I studied for the XXXX XXXX, which was administered XX/XX/XXXX and XXXX. I did not receive my XXXX results until XX/XX/XXXX. I did not find employment until early XXXX. 



After being a XXXX XXXX XXXX for seven ( 7 ) years, I expected a six ( 6 ) month grace period upon graduation. Unbeknownst to me, in XXXX while I was a XXXX XXXX XXXX attending XXXX XXXX, PNC applied my six ( 6 ) month grace period. The grace period ended in XX/XX/XXXX. PNC then automatically applied an in-school deferment. Apparently, my deferment ended in XX/XX/XXXX. PNC then received a late in-school deferment for XXXX and XXXX. About one ( 1 ) month after graduating, XXXX demanded I pay over {$600.00}. 



I spoke to XXXX to figure out why I was not granted a grace period. XXXX informed me that my grace period was applied in XXXX while I was a student. XXXX then stated there was nothing they could do about the improper application of my grace period and again demanded payment. To avoid paying ( due to my lack of income and busy study schedule ), I asked XXXX   my options. I was told I could apply for a Temporary Hardship Forbearance, which would postpone my payments for two ( 2 ) months. I was informed I could continue to file temporary hardships every two ( 2 ) months for up to one ( 1 ) year. 



When I tried to file another temporary hardship, XXXX informed me that I was limited to only one ( 1 ) temporary hardship. I informed the XXXX Representative that I was previously told I could file one every two ( 2 ) months for one ( 1 ) year. The XXXX Rep said that was incorrect and demanded payment. Over the next couple months, XXXX continuously gave me false information about my loans and my repayment. Also, in XXXX, XXXX told my co-signer that they would mail a " Life Changing Event Application '' to postpone my payments. We have never received an application. 



While trying to figure out what exactly was going on with my loans, I acquired late fees. Multiple times, I've tried talking to both XXXX and PNC to remove my late fees. Both entities have told me to contact the other. They will not lower my interest rate nor extend my payment schedule. I can not afford my payments and I refuse to pay late fees for XXXX and PNC 's mistake. If XXXX did not provide incorrect information for five ( 5 ) months from XXXX to XXXX, I could have avoided late fees. 



I have been trying to review my call logs and notes from the Representatives of both PNC and XXXX. I want to obtain this information to show PNC that I have been in contact with both entities and to show where XXXX led me astray and why I missed payments, in hopes PNC will remove the late fees. Each entity has stated that I need a court order for that information. XXXX and PNC then explained it was my responsibility to keep record of each and every phone call and each Representative I speak to. However, each phone call with XXXX and PNC began with a Representative stating that the call would be monitored, I did not know that I would not have access to my own phone recordings or notes written in my account.