Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

When I signed up with XXXX, they told me and my mother that the payment was only {$50.00} a month and that it would come due 6 months after I graduated. That was a lie. It was like {$350.00} a month and no way near {$50.00}. Back in XX/XX/2009 I was supposed to graduate from XXXX XXXX XXXX. Well I took the classes as they were given to me. Even when I had a professor sleeping in class, snoring away. Plus another let go for not being certified because her credentials we're bogus. Basically wasting my time and credit hours. Graduation came around I realized that they didn't give me enough classes in time. Again, I thought the school would know when I graduated. So I went on for 3 more months. Even changed campus from XXXX/ XXXX to XXXX . Well I was told at the school when I signed up that repayment was to come due, 6 months after graduation. Well XXXX was only 3 months after. When I was to sign off on my degree in accuracy, they gave me the wrong degree, they didn't seem to me to be too professional. Three months, before I got to walk down the aisle at graduation I was called about being behind on loans. I mean 5 to 8 times a day, 7 days a week beyond graduation, for almost a year and a half. Which is harrassment. I almost sought legal action. So after graduation the economy was bad in 2009 and I was struggling to pay them. I paid off what I could. I had 8 loans and I paid off 2 of them. Then my parents had another loan that I had to pay. They ruined my parents credit because of that loan. So my parents took care of that one. Now I had five loans left best I could count. I was struggling because of no work, then my car broke down. So I put it into forbearance. I tried to pay back what I could. At this time I was looking for work and found out that XXXX XXXX was not excepted by employers because they considered it not reputable. So every job I applied to I was turned down in my field of XXXX XXXX. So I tried to look for work and it became hopeless. I am now just a blue collar guy working in retail stores. Here is what bothers me. 1 ) They closed down the XXXX XXXX when it was found out that XXXX was fradulant. 2 ) My degree is worthless. 3 ) Now I am in debt to the amount of {$38000.00}. 4 ) I have been told by these loan people to do as much as donate plasma to pay for it. ( I'm not kidding ). 5 ) I have been turned down many times at employers because of XXXX XXXX is on my resume, and it's not an accredited institution. 6 ) Now I am supposed to pay on a loan which has changed hands so many times I don't know who owns it now. 7 ) They now are taking some of my tax return. 8 ) They have been charged with fraud. Why should I pay on a counterfeit degree? 9 ) I was not some guy who dropped out. I went to the end and graduated, with a XXXX gpa. I was on the dean 's list at least 5 times. I got a plaque for perfect attendance. Even when professors where being let go because they lied about their credentials. I think I got cheated out of an education. This is why I need forgiveness.