Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

TO : Consumer Financial Protection Bureau : The following information was submitted to the United States Department of Education and MOHELA on XX/XX/XXXX. This is one of a series of communications submitted to these agencies since XX/XX/XXXX in an effort to gain relief from this longstanding dilemma, a situation that has resulted in extreme financial and emotional difficulty for me and my family for more than 30 years. Anything you can do to help bring this matter to an end would be greatly appreciated. 
____________________________________________________________________ TO : United States Department of Education - Office of Loan Forgiveness & MOHELA ____________________________________________________________________ LOAN FORGIVENESS REQUEST - UPDATES XX/XX/XXXX On XX/XX/XXXX I submitted an application for an IDR consolidation for the SAVE Program, because of information I received stating that I would have to apply for the SAVE Program in order to be considered for LOAN FORGIVENESS in XXXX. I qualify for full loan forgiveness for the following mandatory reasons plus other related reasons as outlined below : Standard Qualifications for Loan Forgiveness : I have applied for the SAVE Program via an IDR Consolidation application. 
My original loan was less than {$12000.00} ( {$9400.00} ), which originated in XXXX while in XXXX  school. 
I have made more than 20 years of payments. 

Other Justifications for Loan Forgiveness : As previously noted, I first received student loans while in XXXX school totaling {$1700.00} from XXXX to XXXX. These loans were paid in full on XX/XX/XXXX. 
In XXXX and XXXX while in XXXX  school I received loans totaling {$9400.00}. I paid on these loans over the next twelve years. In XXXX the payoff was around {$9000.00} but I was having difficulty making the payments and became delinquent. The account had been referred to a collector in California ( XXXX XXXX ). They were calling me at home and at work non-stop. Then in XX/XX/XXXX the collector recommended that I apply for a consolidation loan through XXXX in order to bring the balance current and stop the collection calls. I did so effective XX/XX/XXXX. Keep in mind that the only loans I had were the XXXX loans totaling {$9400.00} with a payoff of around {$9000.00} - after 12 years of payments. After this consolidation loan was executed, I received notice that my total balance had shot up to well over {$30000.00} overnight, even though I had no other loans and had never returned to school after XXXX. I questioned this development through XXXX  over and over again but never received an explanation except that I had allegedly received additional loans, resulting in the quadrupling of my payoff. Finally, in XXXX XXXX agreed to refer my case to the U.S. Department of Education for review. I was then contacted by XXXX XXXX of the USDOE who spent several weeks conducting an exhaustive investigation of my loan and payment history. I was interviewed extensively during this process. At the conclusion of her investigation, she reported to DIRECT that there had been extensive duplication of charges in my case, something I already knew. But I had been unsuccessful at advocating on my own behalf. I was extremely thankful and appreciative to the U.S Department of Education and certain that this matter would finally come to a close. To my shock, however, XXXX refused to accept the findings of the U.S. Department of Education and continued to demand payment. As a result, I continued to make payments until the pandemic pause in XXXX - or another 17 years - a total of 29 years since the loans originated. It has now been 34 years since these loans originated and the payoff is currently reported by MOHELA as {$24000.00}, again after 34 years and payments of more than XXXX Therefore, I am asking that this balance of {$24000.00} be forgiven immediately, especially since these loans have already been paid. This, actually, would be a correction rather than a forgiveness. 
Per MOHELA, I am also being charged for two loans taken out by my adult daughter in XXXX and XXXX with a current total balance due of {$14000.00}. MOHELA and a past servicer alledge that I co-signed for these loans, though I did not. A number of years ago the servicer sent me a copy of a co-signer signature sheet with my name on it, but it was not my signature. Again, I never co-signed for these loans. I have tried to pay on these loans because my daughter was unable to make payments and because she suffers from XXXX  XXXX, preventing her from driving and limiting her ability to earn a regular income. Now that I am retired, I am no longer able to pay on these loans. Also, I have no legal responsibility to pay on these loans. Therefore, I am asking that these loans be forgiven immediately. 
MOHELA has also notified me that a loan with a current payoff of {$6300.00} taken out on XX/XX/XXXX was for my son while he attended XXXX XXXX. However, my son was XXXX XXXX XXXX in XXXX and did not enroll at XXXX XXXX until XXXX. This is clearly an error on the part of MOHELA and further underscores a longstanding issue with my student loan history. 
One loan to XXXX XXXX was paid off in XXXX. Another loan to XXXX XXXX is currently being paid at {$250.00} per month and is current. These payments continued to be made monthly throughout the pandemic pause. 
There are two parent loans taken out for my son in XXXX and XXXX while he was a student at XXXX XXXX where he graduated in XXXX. Payments on these loans were set to begin in XX/XX/XXXX after the pandemic pause. 
I was a XXXX XXXX employee from XXXX to XXXX ( when I worked for the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX )- for 14 years. Now that I am retired, I have also XXXX XXXX XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX 
The urgency of my request to have loans forgiven/ corrected is underscored by my age and health condition, severely limiting my ability to earn additional income. I am XXXX  years of age and have several serious health concerns. 

I have taken all steps to qualify for loan forgiveness under current federal USDOE loan forgiveness programs and to demonstrate my eligibility. 

Your attention to this matter is greatly appreciated. 
Thank you.