Consumer complaint received 2021-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

Greetings, This complaint is in reference to how Fedloan Servicing is calculating my student loan payments for consideration in the Public Service Loan Forgiveness program. 
_________________________________________________________________ Generally speaking, the way the program works is you have to make 120 payments ( 10 years worth ) while working for a public service agency. You submit documentation annually to show that you are in fact employed by a qualified employer. You also submit tax returns annually to allow them to decide how much your monthly payments should be for the next 12 months. 
__________________________________________________________________ I began making payments in XXXX of XXXX. All of the payments I have made, I have been employed by a qualified employer. In theory the borrower has to make one monthly payment and the payment is applied to all of the loan sequences. Therefore if a payment counts for one loan sequence it should count for all loan sequences However not all of my payments are being counted equally. 

_____________________________________________________________________ For example, my account reflects that I have 12 loan sequences. Not all 12 sequences have the same number of payments. 

Loan Sequence # 1 does not reflect the following eleven payments that were made : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9.XX/XX/XXXX10. XX/XX/XXXX 11. XX/XX/XXXX ___________________________________________________________________ Loan Sequence # 2 does not reflect the following twelve payments that were made : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XXXX XXXX  XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10.XX/XX/XXXXXXXX 11. XX/XX/XXXX12. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 3 does not reflect the following twenty eight payments that were made : 1..XX/XX/XXXXXXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9.XX/XX/XXXX10. XX/XX/XXXX 11. XX/XX/XXXX12.XX/XX/XXXX13. XX/XX/XXXX 14. XX/XX/XXXX15. XX/XX/XXXX 16. XX/XX/XXXX 17. XX/XX/XXXX 18.XX/XX/XXXX 19. XX/XX/XXXX 20. XX/XX/XXXX 21. XX/XX/XXXX 22. XX/XX/XXXX23. XX/XX/XXXX 24XX/XX/XXXX25. XX/XX/XXXX26.XX/XX/XXXX 27. XX/XX/XXXX 28. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 4 does not reflect the following seventeen payments that were made 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX10. XX/XX/XXXX 11. XX/XX/XXXX 12. XX/XX/XXXX 13. XX/XX/XXXX14. XX/XX/XXXX 15. XX/XX/XXXX 16. XX/XX/XXXX 17. XX/XX/XXXX ____________________________________________________________________ Loan Sequence # 5 does not reflect the following nine payments that were made : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX Loan Sequence # 6 does not reflect the following nine payments that were made : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX ____________________________________________________________________ Loan Sequence # 7 does not reflect the following six payments that were made 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 8 does not reflect the following seven payments that were made 1.XX/XX/XXXXXXXX 2. XX/XX/XXXX 3.XX/XX/XXXXXXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 9 does not reflect the following six payments that were made 1. XX/XX/XXXX 2.XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 10 does not reflect the following six payments that were made 1. XX/XX/XXXX 2.XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 11 does not reflect the following six payments that were made 1. XX/XX/XXXX 2.XX/XX/XXXXXXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX _____________________________________________________________________ Loan Sequence # 12 does not reflect the following six payments that were made 1. XX/XX/XXXX 2.XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX ____________________________________________________________________ Further, I have called to ask that they manually count my payments but nothing has been done. Whenever I call back, there is no update, I am always told " your request for review is still pending. '' Additionally Fedloan has announced that a new company will be in charge of collecting payments regarding the Public Service Loan Forgiveness Program. 

____________________________________________________________________ I have attached a spreadsheet that reflects all of the payments I have made. The cells that are marked with " XXXX '' in red font indicated that they have calculated the payment for at least one loan sequence but not another. 

Please Help! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX 
XXXX, MD XXXX