First Issue, we are filing a despute against National Collegiate Trust ( NCT ), represented by American Education Services ( AES ). NCT through ( AES ) have given as an ultimatum to settle our private student loan per email sent to us today, dated XXXX/XXXX/XXXX. If we fail to settle, NCT will bring our account to an outside collection agency. We are objecting to this demand, because this Loan sequence # XXXX, Private student loan, disbursed in XXXX/XXXX/XXXX, serviced by AES have been overpaid since 5 years ago up to the present date. Because our payment to the other XXXX ( XXXX ) private student loans was credited and recorded only to this Loan sequence # XXXX, for National Collegiate Trust, Student Loan, disbursed in XXXX/XXXX/XXXX. We specifically classified our payment to each individual loan, check remittance through direct debit from our XXXX bank checking account. We have communicated this problem to AES but " AES said, we recorded your payment to loan disbursed in XXXX/XXXX/XXXX, it does not matter where we record, because you have a loan. '' As a result of this mixed-up of recording, this loan seq. # XXXX became overpaid, while the XXXX ( XXXX ) other private student loans went on default, delinquent and was sold to collection agencies. Loan Seq. # XXXX, is in Court case in XXXX XXXX CA, by XXXX collection agency. Although, this loan was in court, we are consistently paying loan seq # XXXX, for {$150.00} every month. We are paying {$150.00} every month, for Loan sequence # XXXX, to National Collegiate Trust- even if this is overpaid since 5 years ago up to now. We are also paying Loan sequence # XXXX, to XXXX- Private student loan, through XXXX , for {$150.00} a month. We are paying loan sequence # XXXX, for {$150.00} to XXXX ( we have Internal Revenue Service problem with this XXXX student loan ). We are paying $ XXXX/month to XXXX-this loan was recently acquired by AES in XX/XX/XXXX, because XXXX office, close business in XX/XX/XXXX. 
Second despute, why is National Collegiate Trust, not agreeable with our payment of {$150.00}, when our current loan payable to National Collegiate as of this writing is {$27000.00} only half of the amount of our current private student loan payable to XXXX of {$47000.00} and XXXX Bank, {$48000.00}, we paying the same amount of {$150.00} to each loan. When in fact, National Collegiate Trust, has already received advanced payment monies, that should have been paid to our other XXXX ( XXXX ) student loans, that AES had serviced in XXXX. We could have avoided these humungous problems with our student loans, had AES properly recorded our payment to each individual student loan. 
Third dispute, we are in financial hardship that we are unable to meet our basic needs, and we are already using our food money to pay for our private education loans. We can not afford to pay National Collegiate Trust, the amount of $ XXXX/month, but only {$150.00} because of this balance, NCT has already added a lot of interest and has already given us a warning to bring this private student seq # XXXX, loan disbursed in XXXX/XXXX/XXXX out of AES, to an outside collection agency. We would like to request that NCT accept and allow us to continue paying the amount of {$150.00}, and waive the interest that have already accrued to the {$310.00} bill since XX/XX/XXXX, and since they already received previous monies/payment that should have not been paid to NCT but to other banks. We believe our payment to NCT of {$150.00} is already fair as we are comparing our payment with other collection agency, with XXXX, with whom we have much bigger student loan, but our payment of {$150.00} is gladly accepted. As well as XXXX Bank, we have much more bigger student loan of {$48000.00}, than NCT with {$27000.00}.