Consumer complaint received 2022-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I have some documents that I can upload now but have more significant documents but I can't take time off of work so it ' really complicated i'm sorry this is half a complaint but, the deal is XXXX has been adding capitalized interest to my student loan debt and then XXXX $ in XXXX and XXXX $ in XX/XX/XXXX. Also, I called XXXX in XX/XX/XXXX and spoke to an employee XXXX employee id # -well hopefully I can attach documents but, XXXX said I had to complete a idr/repay doc-i did-then XXXX replied, in letter, that i'd applied/recertified for my repaye/idr too early AND XXXX would or 'may ' apply a forbearance to my account... shortly after this letter XXXX, the capitalized balance of my debt increased XXXX XXXX Then XXXX transferred my loan/debt to mohela ( XXXX ). The ombudsman of the dept of ed assigned my PSFL account to a specialized finance unit -who did a fantastic audit of my qualifying time XXXX XXXX of XXXX. Then my loan was sent to a special unit that was supposed to complete my loan. ... this is when my student loan/psfl went into the ether, until I spoke with XXXX who said i. I could NOT get qualifying months for XXXX, XXXX, XXXX & XXXX or XXXX b/c I'd had a personal bankruptcy. Those YEARS I only obtained 2 months of qualifying months for my psfl even though I was working a pre-approved 'certified " employer. Although I am no longer working for that employer, they were kind enough to provide me with a recent 're-certification ' document FOR ALL THE YEARS I WORKED THERE. I worked for the XXXX of XXXX a qualified govt agency ... full time in XXXX, XXXX, XXXX, XXXX, and early XXXX. Those years should all have been XXXX m onths of qualifying time for each years, instead, I got odd 2 months of 'qualifying months ' at different times. ... 
It has been hellish looking for the recertification forms required by all agencies i finally found some and have forwarded them to my employer for them to do their part but I can't get mohela to answer the phone and the fedloan tele # we used to call got sold to a marketing agency. Anyway, What I need is for Mohela or the dept of XXXX or somebody to correct my qualifying months.I 'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX normally. I work XXXX hours per week on my feet as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providerXXXX XXXXdept of ed/student aid.gov/ & soon mohela will tell you I have XXXX more months to complete. The other thing is, I work 12 months/year. Since XXXX XXXX I have worked for XXXX XXXX XXXX XXXX XXXX time-yet the certifiers of my qualifying months over at fed loan have never given me full credit i.e., XXXX I only got 7 months of qualifying time... In one form or another I've been in an icr/ibr/idr/repaye since XXXX. Somebody has to think about USCode XXXX XXXX on employment law in this country, THE book on federal, state & local employment law, the first line in the book says : The agent is the representative of the principal. I believe if we are working for a XXXX for a XXXX XXXX XXXX, those months should be qualifying months for the psfl, idr, icr, XXXX, repaye b/c if you look at the irs tax code to determine who is an employee and who is not an employee XXXX used classrooms, work pages, school provided computers, school provided learning software, educational XXXX, fidgets, rulers pencils etal to do all the primary duties of my job. ... any other kind of employment i'd be considered an employee ... people are XXXX, the growing number of senior citizens living as debt slaves under this student loan debt is ridiculous. Anyhow, I think my student loan debt has been exploited, mishandled and abused and I want all my qualifying months now. Please help.