Consumer complaint received 2016-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MA)

This student loan company advertises " Do you work in public service? 
You may qualify for the Public Service Loan Forgiveness program. '' But then when one who qualifies for the forgiveness program applies, such as myself who has been XXXX in the Urban public school for some 12 years, one gets given the run around with misinformation as to why I do n't qualify. I borrowed less than {$3000.00} but will end up having to pay {$6000.00} ( according to all documentation so far, where this company says I will qualify for the program only after I have made {$150.00} payments, 13 of which qualify and 107 left to be fully qualified for the loan forgiveness program. Now by the time I have make all payments of {$50.00} a month, XXXX + XXXX equals 120 payments at XXXX x XXXX = {$6000.00}. 
Here is the Ltr. I 've been sent after applying XXXX for this program ( and being ignored two other times ). 

XX/XX/XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why We are Contacting You We reviewed your Public Service Loan Forgiveness ( PSLF ) Employment Certification forms ( ECF ) and have evaluated the number of qualifying payments made during the period of qualifying employment listed below. If your certified employment begin date is on or before XX/XX/XXXX, only the portion of your employment that falls after this date qualifies for PSLF Program purposes. 
The number of qualifying payments you have made during the qualifying employment period listed below, the total number of qualifying payments you have made during all periods of qualifying employment approved as of the date of this letter, the number of payments that are still required before you can apply for the forgiveness program, and the date you are expected to be eligible to apply for forgiveness are on the back of this letter. 
When can you apply for forgiveness? You may apply for loan forgiveness after you have made 120 on-time qualifying payments. You must be working for a qualifying public service organization at the time you submit the application for forgiveness and at the time the remaining balance on your loan is forgiven. A final determination of your eligibility for forgiveness will occur upon receipt of your application. 
While applying for and receiving forgiveness, you must continue full-time employment with a qualifying public service organization while making on-time qualifying payments under one of the approved repayment plans until you have received notice that you may cease making payments on your Direct Loans. 
Things to Remember Although we will maintain copies of any documents that we receive, we recommend that you keep copies of all forms that you submit and any supporting documentation regarding your employment and the PSLF Program. We also recommend that you submit an employment certification annually so that we can update you on your progress toward your forgiveness eligibility date. The Employment Certification Form and additional information regarding the program can be found on our website at MyFedLoan.org/PSLF XXXX XXXX XXXX ENOTIFY XXXX XXXX XXXX, XXXX, XXXX XXXX | M-F XXXX to XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | XXXX XXXX Employer Name Begin Date Certified End Date Certified XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX