Consumer complaint received 2023-08-29
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nearly two years has passed but there has been no activity NOR helpful information provided to minority student loan BORROWERS ' DEFENSE applicants like me. Before I found out about Borrowers ' Defense, repeatedly student loan lenders AES and PHEAA refused to grant me REPAYMENT OPTIONS and / or Arrangements that avert loan default. ( In the past, I did cheerfully fullu repay initial student debts. ) I am now XXXX XXXX XXXX, and my health is declining. I have been told that both AES and PHEAA are my loan servicers and it is confusing. 

Below I have attache my Borrowers ' Defense application which explicitly explains why I qualify for student loan forgiveness. Additionally, such a large amount of money garnished from my only income, Social Security benefits should be discontinued since those lenders misleadingly ensured my loan default apparently to those servicers ' ability to be both servicers and debt collectors. I STRONGLY believe that servicers for my student loan debt do NOT have the right to prevent me from President Biden 's student loan debt " Fresh Start '' program. Nor should I be excluded fom forgiveness. 

I attempted to enroll into the President 's " Fresh Start Initiative, '' to no avail. Via telephone I finally spoke to someone at the Dept of Education who told me PHEAA was my loan servicer ; and my student loan debt WAS NOT submitted by the servicer ( S ) for student loan debt FRESH START program. From time to time, confusingly, AES, XXXX and PHEAA have contacted me. 

It is not fair that servicers for my student loan never notified me about ANY forgiveness, nor OTHER student debt options. ( I heard about Borrowers ' Defense from news articles. ) More than two years ago I submitted my compelling Borrower 's Student Loan Defense application and statements. 

Since year XXXX XXXX XXXX disaster I SORROWFULLY have been -- and remain unwillingly displaced from XXXX XXXX -- like countless displaced XXXX American from XXXX and XXXX disasters. I am old and existing here in isolation in XXXX, Louisiana away from my family and friends since government program housing frauds are prime reasons for crisis in affordable places to live. 

IMPORTANTLY, around XX/XX/XXXX, I saw in the news that Louisiana received $ XXXX for student loan relief ; and XXXX people in Louisiana had their loans forgiven. In light of economic conditions and collection unfairness toward indigent people, PHEAA ought to be probed and required to explain why XXXX  people like me were excluded from debt relief and our Social Security benefits continued to be garnished. 

Scores of news articles and lawsuits about deceptive practices pertaining AES, PHEAA -- and even XXXX  being sanctioned by the Consumer Financial Protection Bureau and required to pay XXXX of dollars in fines. From all three companies I get correspondences about my student loan, which I don't know why. AND to make matters worse, my student loan debt multiplied more it seems every time loan servicers swaps around my student debt. 

The facts and easily verifiable statements on my student loan Borrowers ' Defense application overwhelmingly prove that " Defense '' is meritorious, and my student loan debt should be forgiven. Also I should be REFUNDED the money that was garnished monthly from my social security benefits. On page 6 of my Borrowers Defense application, under the section called : FORBEARANCE/STOPPED COLLECTIONS, I agreed that while my borrower defense application is reviewed, my federal loans become placed in forbearance and collections stopped on any defaulted loans. I feel certain that in light of PHEAA 's questionable conduct that is well-documented by Attorneys General lawsuits. 

As it pertains to Louisiana debtors, AES and PHEAA must be investigated and held accountable for impeding minority borrowers from XXXX XXXX and or misleading borrowers about affordable repayment options. Please look into why my student loan was not included among the XXXX, XXXX Louisiana student loan borrower, or even if partially? And please look into loan servicers misleading minority like me so that those servicers can be simultaneously services as well as debt collectors

Company response to consumer: Closed with explanation