Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

Ive been a loan borrower since XX/XX/XXXX. I had 2 disbursements one was on first date mentioned for a amount of {$9600.00}, the other was on XX/XX/XXXX in the amount of {$6000.00} totaling {$15000.00}. The loan was in efforts to get my life in order and on track in a career that will benefit me in the future to come in the life of a XXXX XXXX being that I was single XXXX and needed to get my life in order before I thought of went to finding that wife to build a family with. Beings that I was born on the water and loved the water I felt the interest to explore the career going under. After graduation in XX/XX/XXXX I began my search in the job pool for work I have learned to perform and became certified in. XX/XX/XXXX I began my quest of the new career. My first place that I was offered a position in was a outfit based out of XXXX XXXX, XXXX. Upon applying the employer mentioned that they would be conducting a drug test prior to employment and that includes most prescription drugs. At that time I was prescribed for my XXXX XXXX XXXX  the medication XXXX and that was included in medication that can not be accepted for employment. This medication is not by any means recreational for me. This medication has benefited me with my ability to focus and pay attention to detail and perform very well in a work environment. Back to this employer I never mentioned that I took such medication I chose to not take the XXXX to continue my employment. I worked for this employer for at most a month until I was fired because my performance was poor. This was due to not being able to take the medication to benefit me and advance me in the field. I started applying for more places around the country and came to a call for work out of XXXX XXXX, XXXX. I drove from XXXX to XXXX right away to get involved as the employer had lots to offer. Upon arrival I was not going straight to work in the XXXX XXXX field but doing XXXX XXXX XXXX XXXX XXXX work to come. There I worked 3 months and came to being taken advantage of and was over worked being paid {$9.00} with no overtime but I felt the need to keep at it and was in the aims that its just the beginning and its just going to be a rough start before it gets better. The situation down there was by far unfair and not related to benefit my future. I could go on with the aspects but it would take hours. I decided to pack myself up again and go back to my hometown of XXXX. When I got back I applied for local outfits and was persistent on how interested I am in joining their team. I got on with an outfit that performs a majority of its work in XXXX and local. Upon hiring there was no mention of medication being an issue I took the meds and my performance was fair and improving as I was still in learning of the new career. The employment didnt last long as they ran out of work. I began calling local companies until my repeated calls got me in. I started building confidence. This new company involved working locally which was great yet sadly didnt work out as their workload got reduced had to shorten the stack and beings I was on top my employment only lasted 6 months. I refused to give up.. started making more calls. I found myself going back to the south in XXXX again with another outfit. I started working for a outfit right away, I was drug tested and no mention of XXXX wouldnt be an issue. This is where Im coming into conclusion of this letter shortly. Comes to find out that in order to perform proper tasks that are high risk involving a different environment where pressure is involved XXXX is strictly prohibited as it influences going under pressure ( underwater ) and could pose as a dangerous condition and is completely unacceptable. That being said my career to try to become a XXXX XXXX was not going to work ending in XXXX as I wasnt informed this prior to going to school that there was an issue in this matter. Fast forward to today and 11 years later Im married with XXXX kids and XXXX on the way in XXXX I have a home, car payment with lots of debt lifestyle with a family. Im working in a new career that has benefited me substantially as my medication is not an issue and Ive excelled very high in this career. In these days Ive had my roller coaster of financial difficulty at times but been able to keep up to keep a roof over my family and a safe means of travel. Moving forward to conclude this reason for my letter as mentioned prior totaled disbursed amount was {$15000.00}. To this date I have paid according to records obtained Ive paid in the course of 11 years making Ive paid a total of {$15000.00} and according to account website that Ive paid {$10000.00} in interest and {$4600.00} towards principal giving me the total mentioned above yet my current balance owed is {$15000.00} today with a obvious no end in sight. Why is this? Why isnt my balance around {$10000.00} if {$4600.00} was applied to principal? Ive had this loan for way to long its a massive burden on my financial situation as Ive got way too many expenses as it is and need some debt relief, my request is to forgive and close my debt. Im having difficulty saving for retirement and to be able to set aside something for a rainy day is my goal and at this moment its rather difficult. I thank you very much for you taking the time to read this and I hope to hear from whomever soon to give relief in this matter. 

Thank you