Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Approximately one-year ago, when first ever becoming aware there was an issue, I filed my first complaint, following my attempts to get assistance and resolution through AES unsuccessfully. That initial complaint stemmed from entering repayment prematurely ( within the time-frame of roughly 2-weeks ), meanwhile I was still qualified and eligible for in-school deferment. It was at that time, it came to my attention, that these same ( older ) loans I was receiving unexpected and incorrect billing for, were in fact " Federal Stafford/Direct Loans '' both subsidized and subsidized, which originated between the dates of XX/XX/XXXX - XX/XX/XXXX by ( then named ) XXXX XXXX College. These were not ever private loans, which is also indicated in the NSLDS, as well as in the mini-itemized breakdown on the AES Billing Statements. It is clear, these loans originated as Federal Loans, and have always been Federal Loans and were never refinanced with a private lender, or anything else of such nature, or by any means. Basically there is no reason whatsoever that the AES branch of PHEAA should have ever been handling my Federal Student Loans ( which should only be reserved for the private and commercial aspects of its business ) ; my Federal Loans however, should have only been ever handled by their XXXX division as guaranteed by FFELP. 

Last year, only a temporary fix occurred, which after filing my complaints, assisted with rectifying the erroneous late charges from being prematurely billed, and I was finally placed back into in-school deferment. Fast-forward one-year later and a similar issue is happening again, due to the filed corrections to return my Federal Loans back to their originating status, and/or explain, how they ended up being handled in the manner they had be, which was without my authorization or knowledge. I have been mixed with emotions for my upcoming graduation ever since learning these facts back in XX/XX/XXXX,  and not having a complete resolution done at that time, which I am hoping to have done this time around. On one hand I am ecstatic to have graduated on XX/XX/XXXX ; but at the same time, I have suspected that I would be faced with ( early and once again ) prematurely entering repayment as soon as I graduated, or in my case even sooner. 

So, there are several issues, the first at hand is, having been billed for nearly two months now and in just over another two weeks, if things are not corrected, I do not want to reflect going from 30+ days past due, to 60+ days ... .when neither are correct. Since my loans are and have always been Federal Student ( " Stafford Direct Subsidized & Unsubsidized Loans '' ), I should not be entering repayment until approximately XX/XX/XXXX, after reaching the full maturity of my 6-Month " Repayment Grace Period '' which Federal Loans affords by their guidelines, and for which I fully intend to follow according to those guidelines and policies, as those were what was stated in all of my Master Promissory Notes that I signed from taking my first loan in XX/XX/XXXX through my most recent which was in this XX/XX/XXXX-XX/XX/XXXX - Spring School Year Semester, just prior to my graduate.