Consumer complaint received 2021-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (DE)

I have repeatedly made urgent attempts for help due to my student loan being wrongfully debited to my personal credit score and situation. I have tried numerous times to get remedy for what I know was not a true and valid or justified debt due to what I described as a breach of contract. I was denied when I applied to the dept of education in my effort for exoneration of my student loan debt. I was not properly enrolled and was deceived and cohersed into getting into taking online college courses through XXXX University back in XXXX. At the time of my initial phone call solicitation to get me to participate. I made it a point to the sales representative for XXXX University that I would only move forward in an effort to obtain an XXXX XXXX in Psychology  if I was not having to or required to go through or take courses involving mathematics. I was assured that as a career directive in psychology  that math would not be required. To further convince me of this concern I had, I was also told that a person in psychology does not need math to do this type of employment or career .. which I knew but needed to get this nailed down and confirmed prior to moving forward. I was enrolled, I applied myself attended my courses and was doing very well .. XXXX months into my schooling I was now scheduled for math classes and I was very unsettled as I specifically was told I would not have to particiate in any schedules that were math classes. I was out and out lied to. I contacted the school and the loan servicing company who is Great Lakes Borrowers in the mid west.. each entity referred me back to each other to where I was not getting any results whatsoever. I literally found myself reaching out to XXXX contacts across the globe to please help me get through this now mandated math course and classes I was scheduled against my will and against what I agreed to. Soon afterwards, I suffered a traumatic injury requiring XXXX. With being a mother of XXXX young children, and all that was going on, I chose to stop participating in my courses for college. Soon after this, I was being billed for student loan debt in the $ XXXX  range.XXXX now reaching debt due to interest accruing upwards of over XXXX at this time. I am in objection and disbute and have been for quite some time. I applied for student loan forgiveness and was denied. this was some time ago. Most recently, in or about XXXX of XXXX I literally borrowed money from someone to get this loan paid off because it was front and center on my credit report .. Once I went to pay for it.. I was so aggitated I called great lakes borrowers again to tell them. hey I paid this off ( I borrowed the funds to do so - and you need to once again know that I am in total objection to even owing this debt because I was utterly deceived and mislead and lied to from day one ) To my surprise, the Great Lakes Borrowers representative I spoke to ( my reason for calling was to immediately remove this off my credit report ) told me that I seriously should consider re-applying for Borrower 's defense.. and I responded that I did apply and was ultimately denied.. I was then informed that while that is true, there are now 'changes ' that now include being mislead and mis informed that are relative to my situation for which I originally claimed to get some relief.. are now being included and to re apply. So I did! I was given a borrower 's defense link, 24 pages long, filled it out, printed it, signed it and placed probably about a dozen stamps to a brown manila envelope and personally handed it to my usps mail carrier in XXXX of XXXX. Some time /weeks went by and I called XXXX XXXX XXXX my XXXX XXXX and was informed that there was a dispute filed under my ss number directly relating to this student loan debt.. I was like wow okay cool! someone got my application and forged on to start processing my plea for relief.. Upon reaching out to the dept of education.gov for student loans was shocked to be then told that they never received my application for borrower 's defense! I was like .. seriously? it wasnt ever returned to me by mail as being undeliverable! so someone got it and why would XXXX tell me that a dispute was filed XX/XX/XXXX? I never contacted XXXX directly myself. so someone had to have and it is DIRECTLY related to this federal student loan debt that I have profusely had conflict and objection to owing. I was never told I was taking out a loan in the first place.. I was actually told that due to my low income status that I qualified for schooling through college with a grant. so imagine my utter shock and upset .. both lied to about what courses I would be required to participate in as well as the loan /debt situation.. in addition being a victim of bogus help with employment once I graduated and got my certificate.. They were never able to guarantee this benefit.. and have since closed and gone bankrupt as a school.. When I called Great Lakes Borrowers, the rep said she alone has had over 30 complaints for students who were enrolled with XXXX University.. I did not know about that but it goes to support my debt situation here.. I am devastated.. This school loan has ruined my life and livelihood as far as being able to obtain credit so as to buy a home for myself and XXXX  children. I have additionally re-filled out the supposed non received application by the dept of education and where it got to the signature line, was prohibited from signing my name.. strange huh? so I chose to take the date variable input .. put my name and then the date to re-submit my application for relief.. to date I have not had any attention or response to my re-application for which I emailed them once again saying I sent my printed out application, filled out, signed and mailed via stamped manila envelope handing directly to my mail carrier in early XXXX and since it has not been returned as undeliverable, since it has been noted as a dispute with XXXX upon my calling about my credit report, I can only presume it's been received and otherwise .. placed in a circular trash can file. or burried and just ignored. Either way, I am very concerned as this student debt is NOT valid not justified and needs to be dissolved. I have tried every which way you can think of to plead my case and I seriously do not feel like I should be punished or penalized based on this specific situation and personal scenario I am plagued with unjustifiably. 

I need an advocate.. I need help! please help me.. please intervene on my behalf. 

Let me know what else you may need to move forward. Thank you for your attention and courtesy to my inquiry for help.