Consumer complaint received 2018-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MN)

I have five loans, which all currently reside with XXXX XXXX. Each loan was taken out between XX/XX/XXXX and XX/XX/XXXX. Three are subsidized ; two are unsubsidized. ( PARAGRAPH ) I have two issues with my current loan servicer, XXXX XXXX ; 1 ) I was forced into several forbearances despite my circumstances as a full-time student, 2 ) the loan servicer ( XXXX XXXX   ) has refused to acknowledge my status as a full-time student between the dates XX/XX/XXXX and XX/XX/XXXX. ( PARAGRAPH ) XX/XX/XXXX, I graduated from University of XXXX XXXX. ( PARAGRAPH ) XX/XX/XXXX, I moved to XXXX XXXX to work, full-time. ( PARAGRAPH ) XX/XX/XXXX, I became a full-time student at XXXX University of XXXX and XXXX ( XXXX ), with a focus in XXXX XXXX, studying under a XXXX government scholarship ( XXXX XXXX XXXX ). My tuition and a living stipend were provided by the scholarship. ( PARAGRAPH ) In XX/XX/XXXX, I received a second scholarship to continue studying XXXX as a second language for one more year, then to study for a XXXX  ' degree in XXXX. and XXXX. XXXX ( this scholarship paid for a total of 3.5 years of tuition and living expenses ; 1 year for language, 2.5 years for Degree studies ). I completed the year of language and completed one semester of Degree study. ( PARAGRAPH ) XX/XX/XXXX-XX/XX/XXXX ( while in XXXX ), I was forced to accept the terms of several forbearances, as I was told that my loans were already delinquent and that the penalties would be far worse if I did not acknowledge my delinquency with a forbearance. Each forbearance capitalized the interest that had accrued on each loan, increasing my principal loan amount. ( PARAGRAPH ) XX/XX/XXXX, I filed for " In-School Deferment '' with XXXX XXXX, as I was a full-time student. XXXX approved the deferment, but later revoked it ; I was told that the " In-School Deferment was not the proper program for the university in which I studied. ( PARAGRAPH ) XX/XX/XXXX ( after one full semester of XXXX ' study ), for personal reasons, I terminated my studies. I returned to the USA and began repaying my loans as soon as I was able to find employment. ( PARAGRAPH ) XX/XX/XXXX, I applied for the " Education Related Deferment '' program with XXXX XXXX and was denied. XXXX claims that, either, the program in which I was enrolled was not sufficient to be considered, or my application was insufficiently completed. ( PARAGRAPH ) Attached to this complaint form I have included 5 PDF documents ( they may not be in this order, but are described as follows ) ; A ) Application for my first scholarship, the school year beginning XX/XX/XXXX, B ) Admission notice for language and Masters ' program, the school year beginning XX/XX/XXXX ), C ) Two enrollment Certificates outlining funding sources, dates of study, and programs for study ; these documents are dated and worded as such indicating that the programs were already begun. Both forms indicate the expected XX/XX/XXXX graduation date, D ) Two final transcripts of XXXX language study, E ) Two Deferment Request forms submitted to XXXX XXXX  ( Education Related and In-School ). ( PARAGRAPH ) Thank you so much for your time and consideration. ( PARAGRAPH ) If further information or documentation is required please reach me at any time. ( PARAGRAPH ) Best