Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

The first parent plus loan was disbursed XX/XX/XXXX. 
From XX/XX/XXXXXXXX  on, I got monthly bills for {$50.00} up to {$200.00} from Great Lakes Student Loan Servicer. I made regular monthly payments, or several times I paid ahead and made additional payments. 
I never was told that the loans were in deferment and I always got monthly bills. 
After I applied for PSLF I found out that the payments from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  won't count for PSLF because of in-school-deferment. 
I feel deceived, or at-least not correctly informed by the loan servicer by sending me the bills. 
I feel that at least 46 payments should be counted for PSLF for the months XX/XX/XXXXXXXX  until XX/XX/XXXX. 


Here is the list of payments Great Lakes had sent in XX/XX/XXXXXXXX  after my request : Borrower : XXXX XXXX XXXX XXXX XXXX XXXX Account with U.S. Department Of Education ( XXXX ... ... .. ) Payment Date Payment Type Amount Applied to Principal Applied to Interest Applied to Late Charges Unpaid Principal Balance XX/XX/XXXXXXXX  DISBURSEMENT {$7100.00} XX/XX/XXXXXXXX  PAYMENT {$120.00} {$0.00} {$120.00} {$0.00} {$4700.00} XX/XX/XXXXXXXX  DISBURSEMENT {$7100.00} {$11000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$9900.00} XX/XX/XXXX BORROWER REFUND {$200.00} {$9700.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$8.00} {$9700.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$9600.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$9600.00} XX/XX/XXXXXXXX  PAYMENT {$50.00} {$0.00} {$50.00} {$0.00} {$9600.00} XX/XX/XXXXXXXX  PAYMENT {$50.00} {$0.00} {$50.00} {$0.00} {$9600.00} XX/XX/XXXXXXXX  PAYMENT {$50.00} {$0.00} {$50.00} {$0.00} {$9600.00} XX/XX/XXXXXXXX  PAYMENT {$50.00} {$0.00} {$50.00} {$0.00} {$9600.00} XX/XX/XXXXXXXX  DISBURSEMENT {$5000.00} {$14000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$14000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$14000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$14000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$14000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$14000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$14000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$180.00} {$14000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$8.00} {$14000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$14000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$14000.00} XX/XX/XXXXXXXX  PAYMENT {$420.00} {$2.00} {$420.00} {$0.00} {$14000.00} XX/XX/XXXXXXXX  DISBURSEMENT {$5000.00} {$19000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$19000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$19000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$19000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$19000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$50.00} {$19000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$19000.00} XX/XX/XXXX BORROWER REFUND {$50.00} {$19000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$2.00} {$19000.00} XX/XX/XXXXXXXX  PAYMENT {$50.00} {$0.00} {$50.00} {$0.00} {$19000.00} XX/XX/XXXXXXXX  PAYMENT {$50.00} {$0.00} {$50.00} {$0.00} {$19000.00} XX/XX/XXXXXXXX  PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$19000.00} XX/XX/XXXXXXXX  PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$19000.00} XX/XX/XXXXXXXX  DISBURSEMENT {$5000.00} {$24000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$100.00} {$23000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$4.00} {$23000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$1000.00} {$22000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$45.00} {$22000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$100.00} {$22000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$4.00} {$22000.00} XX/XX/XXXXXXXX  BORROWER REFUND {$100.00} {$22000.00} XX/XX/XXXXXXXX  RETURN AS DISBURSE REFUND {$4.00} {$22000.00} XX/XX/XXXX BORROWER REFUND {$100.00} {$22000.00} XX/XX/XXXX RETURN AS DISBURSE REFUND {$4.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$100.00} {$0.00} {$100.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$2000.00} {$360.00} {$1600.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$200.00} {$110.00} {$82.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$200.00} {$69.00} {$130.00} {$0.00} {$22000.00} XX/XX/XXXX PAYMENT {$200.00} {$66.00} {$130.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$70.00} {$120.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$67.00} {$130.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$67.00} {$130.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$76.00} {$120.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$68.00} {$130.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$73.00} {$120.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$200.00} {$69.00} {$130.00} {$0.00} {$21000.00} XX/XX/XXXX PAYMENT {$2000.00} {$1900.00} {$16.00} {$0.00} {$19000.00} XX/XX/XXXX PAYMENT {$200.00} {$100.00} {$99.00} {$0.00} {$19000.00} XX/XX/XXXX PAYMENT {$200.00} {$84.00} {$110.00} {$0.00} {$19000.00} XX/XX/XXXX PAYMENT {$200.00} {$84.00} {$110.00} {$0.00} {$19000.00} XX/XX/XXXX PAYMENT {$1000.00} {$950.00} {$40.00} {$0.00} {$18000.00} XX/XX/XXXX PAYMENT {$200.00} {$130.00} {$66.00} {$0.00} {$18000.00} XX/XX/XXXX PAYMENT {$250.00} {$140.00} {$100.00} {$0.00} {$17000.00} XX/XX/XXXX CAPITALIZED INTEREST {$24.00} {$18000.00}