Consumer complaint received 2022-03-12
Company: AES/PHEAA
State: NY
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:
Complaint against FedLoan Servicing, at Pensilvania Higher Education Assistance Agency XXXX XXXX XXXX XXXX PA XXXX Attention : SECRETARY OF THE U.S. DEPARTMENT OF EDUCATION My complain is about the incorrect information/count of only 2 payments toward my eligible payments for my Public Service Loan Forgiveness program after I consolidated my Federal Students Loans under the Limited PSLF Waiver rules. 
1 ) On XX/XX/XXXX I received a letter from the FedLoan Servicing, which is a part of the Pensilvania Higher Education Assistance Agency ( PHEAA ), a federal student loan contractor with the U.S. Department of Education. 
2 ) In the FedLoan Servicing letter of XX/XX/XXXX, FedLoan Servicing blatantly erased all my 97 previously recognized eligible payments toward my Public Service Forgiveness program. FedLoan Servicing wrote to me that my newly consolidated loans ( # 12 and # 13 ) have only 2 eligible payments toward the PSLF program, and FedLoan Serving posted a new date for forgiveness as year XXXX. In other words, FedLoan Serving extended my 97 previously found eligible payments with another 120 payments or 10 more years. This is unacceptable and against all rules of the Limited Public Loan Forgiveness waiver. 
3 ) Needless to say, I consolidated my student loans on XX/XX/XXXX under the Limited PSLF Waiver rules. 
4 ) Just before consolidation, my student loans had 97 eligible payment toward the PSLF program as I am a public teacher. The same 97 eligible payments were counted in the previous years by FedLoan Servicing at PHEAA. I should be forgiven my student loans at about XX/XX/XXXX. I continue to work as a public teacher. 
5 ) I consolidated my student loans because the U.S. Department of Education stated If you have Federal Family Education Loan ( FFEL ) Program loans, Federal Perkins Loans, or other types of federal student loans that are not Direct Loans ( for example, those from older loan programs, such as Federally Insured Student Loans [ FISL ] or National Defense Student Loans [ NDSL ] ), you must consolidate those loans into the Direct Loan program by XXXX XXXX, XXXX ''. I was also advised by FedLoan Servicing Associate over the phone to consolidate my student loans. 
6 ) According to " https : //studentaid.gov/announcements-events/pslf-limited-waiver '', if you have a Direct Loan and have already submitted an ECF or PSLF form, If you took out only Direct Loans or previously consolidated other federal loans into a Direct Loan, and youve previously submitted an ECF or PSLF form, you may automatically receive credit for prior periods of repayment. Automatic credit will be granted only if the employer listed on your form was determined to be a qualifying employer. My employer XXXX XXXX XXXX XXXX is determined to be a qualified employer. All my previous employers were determined by the FedLoan Servicing to be eligible employers as I have been certifying every year at FedLoan Servicing, PHEAA. 
7 ) FedLoan Servicing is cutting off PSLF participants and not counting the eligible payments, even though FedLoan Servicing has evidently sent me letters every year stating my PSLF eligibility and counting my eligible payments every year around XXXX. 
8 ) FelLoan Servicing are DISHONEST federal student loans contractor. The U.S. Department of Education promised that " XXXX has determined that it can use flexibilities provided by the HEROES Act of XXXX, which allows the Secretary of Education to waive certain rules related to the federal student aid programs during periods of national emergency. '' 9 ) The U.S. Department of Education also posted " Why do I have to consolidate my loans or file a PSLF form by XXXX XXXX, XXXX? There is a limited time that this opportunity can be offered, as it is tied to special flexibilities that have arisen due to the COVID-19 national emergency. At this time, that emergency flexibility has been determined to last through XXXX XXXX, XXXX '' XXXX ) Therefore, FedLoan Serving is conducting the opposite illegal actions, nulling the previous eligible payments toward the PSLF program, after the new Consolidation of student loans, and disregarding the Limited PSLF WAIVER. '' FedLoan Serving is deceiving the students with newly consolidated student loans and not providing the deserved eligible payment counts toward the Limited Public Service Loan Forgiveness Program.

Company response to consumer: Closed with explanation