Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I will try my best to keep this short. Fedloan servicing they are predatory and abusing power. They will not give me an exact amount of interest I will be paying. It 's usury because they can charge me whatever they want and the answer is, noooooo!!!!! 
The promissory note is still negotiable and I have do have rights even though the government says I do not. 
Well it 's time to fight. My 25 year fixed rate plan is bogus as it continues to reset and the payment continues to go up. It does not matter what program one chooses all programs are designed like a balloon payment and will continue to go up and up and up until I can no longer afford the payment. 
This is unacceptable and I am turning into a nasty biting dog every time I get another letter saying they want more money. 
I want this to stop. I want a set monthly payment and I want to pay said monthly payment In peace and quiet. 
But the government had poked and prodded me to the point that we need the laws changed and we need to go back to 1978. 
I have proven I am not a bad guy and I am paying diligently and I will not stand by and be a slave to my government. 
I think it 's discriminatory and abusive. I am contacting every outlet, legislator, and I will be changing the laws even if it means I go to the senate floor. 
I am not kidding our government is nasty and thinks it is above the law of the land and I am sorry it messed with the wrong citizen. The fight is on. 
I see the same with XXXX it 's a balloon rising, penalizing, government controlled mountain of a mess. 
This student loan experience has left an extremely bitter taste in my mouth and I will fight with Fedloan every single day until I get the specific amount I am to pay. 
I want an agreement that states how much is owed - how much interest is owed.. What is the final amount due in 25 years and the monthly payment to be made in the remaining payments of XXXX. 
Period I will not stop, I will not rest until Fedloan gives me what I want and is transparent with me. I am not going to do this with them every few months for the next 25 years it 's intrusive into my life and I just want to make my payment and be left alone and have them stop this nonsense of need to jerk with me. 
You understand I am not happy!!! I am miserable and had I fully understood what I was signing in college then I would have never attended. 
Below under servicing please note all of the above apply it only allows me to choose one but let it be known all apply. 
I am so distraught. The main issue is this 25 year fixed loan keeps restring every few months and keeps rising. I get it. It will continue to rise until I can no longer afford the payment. Every time I have received a letter letting me know of repayment terms it means another increase. Their argument my payments have to keep up with the final amount due at the end of 25 years but no one can give me that exact amount. I was assured in XXXX that this restring of the payment would take care of the problem it has not and here we are 5 months out and I received yet another reset letter. The letters are vague and gives so many reasons why but not your specific reason so one has to call once again to find out what is going on. I want it to stop. I want to know the exact monthly payment for the life of the loan. Period. And in my welcome letter it say you will not be penalized if you pay more than amount due and yes I was!!!!!! 
I can send more documents I ran out of space there is so much paperwork