Consumer complaint received 2017-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

I was having some financial difficulties and I called the loan company American education services and I thought they were going to give me a deferment. I only needed this for a few months due to being extremely ill. I even had to take a leave of absence because of how sick I was with  XXXX  and  XXXX  at the same time. I have repeatedly tried to get this company to work with me. Another company associated with the loan company contacted me and since I had been hung up on at least  XXXX  times prior the woman I spoke with agreed she would stay on the line with me during the call and she said she would call me back if it happened again while we talked to the loan company. Well as before the inauguration requested to speak to a supervisor because the agent taking the call was going to fast when I asked her for the exact loan amounts on each  XXXX .  Stffrd and Unstfd  loan amounts as well as the dates of the last payment. I have worked in a similar jobs for over  XXXX  years and the information I was requesting was so minute I felt that asking for a supervisor to go over this with me was needed because of the agent not wanting to go back or repeat any of the information I was requesting. I only have  XXXX  account number to make payments to and this company repeatedly has only been applying my payments to  XXXX  of the loans and then applying nothing to the joined loan and then reporting this to the credit bureau. I have started writing on each money order to apply to both loans. There is absolutely no way I can apply this to both for them because I only have  XXXX  account number. Furthermore this school is completely shut down because it was a for profit college that did not help in anyway to assist me in finding employment after graduation nor advise me that in the state of Oklahoma in order to work at a  XXXX  requires a state license and though I paid {$200.00} for my   XXXX   XXXX   XXXX   test and did become nationally certified as a   XXXX   XXXX  , it was useless without a state license that I later figured out how to obtain this. Which is a  XXXX  has to take a chance hiring you or anyone off  the street an d after  XXXX  days sign off on the  XXXX  to obtain a state license. Unfortunately I was not able to find anywhere willing to do this and this is mostly because legally with me being nationally certified they are required to pay me more than someone who has no credentials. However   XXXX   years later I did find employment elsewhere not in a  XXXX  but working for a   XXXX   XXXX   XXXX   who requires the department I work in to have a national certification and not a state license. The school was aware of the state 's laws and regulations for this profession but failed to mention anything about it because it was strictly a for profit college that did n't have the students ' best interest in mind. I have just sent a {$150.00} payment but with the massive amounts of interest and them only making payments to the lesser amount I am behind {$580.00} and the American education services will not work with me at all. They call only with an animated machine and I have wrote to them when making a payment and no one but an automated message will contact me back. I have written several times I would like to speak to a supervisor or manager due to the multiple times their agents have hung up on me for just asking to repeat the amount of each loan, the last date payment was applied to each loan on the  XXXX  account number but it 's been almost a year with no change. I do n't know what else to do at this point because this does n't even seem legal the way they have been applying my payments to only  XXXX  of the  XXXX  student loans and refuse to make any kind of adjustment for the time they told me they would put my account on a  XXXX  month deferment or even let me speak to someone in charge.