Consumer complaint received 2024-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

MOHELA has incorrectly categorized a loan on my account when reporting data to the Department of Education. This error has impacted my overall loan payment count which will impact my discharge date by many years. 

I have reached out to MOHELA and the Department of Education. The Department of Education said it is MOHELA 's responsibility to fix the clerical error. When my loans were consolidated last Fall it was to take advantage of the XXXX count readjustment. This benefit allows all payments for all loans that are part of the new loan to be counted towards the overall count. 

They miscategorized a loan from XXXX that included loans that originated back in XXXX. They categorized it as PF ( paid in Full ) which means those loans would not be counted for the overall count ( I need to make XXXX payments for discharge ). The difference is many years!!!!! It should have been categorized as PC ( Paid in full by consolidation ). It can be seen next to the loan description. 

I have called and emailed MANY times since XXXX. XXXX times I was sent to supervisors who were trying to help and then the calls got dropped. ( After being on the phone over XXXX minutes with the first level person who could not help and then we had to wait ). Even though they confirmed my number and said they'd call back, they didn't. I have tried upwards of XXXX times to get this fixed by email or phone and I AM TIRED! They made this simple error and should be able to fix this simple error. I am including the data text file information that is inaccurate and removed personal identifying information. 

Loan Type Description : XXXX XXXX XXXX XXXX Award ID : ***** Loan Attending School Name : XXXX XXXX FOR CONSOLIDATION LOANS Loan Attending School XXXX  : Loan XXXX Loan Repayment Begin XXXX Loan Period Begin Date : Loan Period End Date : Loan Amount : {$53000.00} Loan Disbursed Amount : {$53000.00} Loan Canceled Amount : {$0.00} Loan Canceled Date XXXX XXXX XXXX : {$0.00} Loan Outstanding Interest Balance as of XXXX Loan Interest Rate Type Code : XXXX Loan Interest Rate Type Description : FIXED Loan Interest XXXX % Loan Actual Interest XXXX % Loan Statutory Interest XXXX % Loan Repayment Plan Type Code : XXXX Loan Repayment Plan Type Code Description : REVISED PAY AS YOU EARN PLAN Loan Repayment Plan Begin XXXX Loan Repayment Plan Scheduled Amount : {$140.00} Loan Repayment Plan XXXX XXXX XXXX XXXX Loan Confirmed Subsidy Status : Loan Subsidized Usage in Years : Loan Reaffirmation Date : Loan Most Recent Payment Effective XXXX Loan Next Payment Due XXXX Loan Cumulative Payment Amount : {$14000.00} Loan PSLF Cumulative Matched XXXX Academic Level : Not Available Additional Unsubsidized Loan Flag : No Denial Award XXXX Capitalized Interest XXXX {$3100.00} XXXX Loan Amount : {$53000.00} Reaffirmation flag : Calculated Subsidized Aggregate OPB : Calculated Unsubsidized Aggregate OPB : Calculated Combined Aggregate OPB : XXXX XXXX Current Loan Status : XXXX Current Loan Status Description : PAID IN FULL Highest Historical Outstanding Principal Balance ( OPB ) : {$60000.00} Current Standard-Standard Schedule Payment Amount : {$0.00} Permanent Standard-Standard Schedule Payment Amount : {$0.00} Parent Plus Consolidation Indicator : No Loan Status : XXXX Loan Status Description : PAID IN FULL Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : FB Loan Status Description : FORBEARANCE Loan Status Effective XXXX Loan Status : RP Loan Status Description : IN REPAYMENT Loan Status Effective XXXX Loan Status : XXXX Loan Status Description : IN GRACE PERIOD Loan Status Effective XXXX Loan Status : IA Loan Status Description : LOAN ORIGINATED Loan Status Effective XXXX Loan Disbursement XXXX Loan Disbursement Amount : {$53000.00} Loan Contact Type : Current XXXX Servicer Loan Contact XXXX Loan Contact Name : DEPT OF XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX Loan XXXX XXXX Address XXXX : Loan Contact City : XXXX XXXX XXXX XXXX XXXX : MO Loan Contact Zip XXXX Loan Contact Phone XXXX Loan Contact Phone Extension : Loan Contact Email Address : Loan Contact Web Site Address : https : //mohela.studentaid.gov/ Most Relevant : Yes Loan Special Contact Reason : Loan Special Contact :