Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: To whom it may concern : Nelnet is harassing me and using false information to collect on my student loans. I have been on the Total and permanent XXXX program since XX/XX/XXXX and was supposed to be done with the 3 year monitoring program as of XX/XX/XXXX. I did everything I was supposed to do to be qualified for the program. And for the first two years everything went smoothly. However, two months after I was supposed to be off of the program I received a letter on XX/XX/XXXX telling me that my loans of {$71000.00} were being reinstated because my employment earning exceeded the {$16000.00} limit for the time between XX/XX/XXXX to XX/XX/XXXX. This is false and they have been harassing me and threatening my credit history, earning wages and that the loans would be reinstated as of XX/XX/XXXX. I asked them several times how much I supposedly went over and they refused to give me answer except for sending me an equation on how they came to the determination that I was over the limit. They also, told me they were determining the amount on future wages I had not errand yet. Which by law they can not use future erranings that I have not made against me. For the whole year of XX/XX/XXXX I made a total on my XXXX of {$11000.00} and if you divide that by half it is only {$5900.00} because they are only using the XXXX from XX/XX/XXXX to the end of XX/XX/XXXX. And if you take my wages errand from XX/XX/XXXX until XX/XX/XXXX I errand {$9900.00}. This gives you a grand total of {$15000.00} and the last time I checked this is under the {$16000.00}. 

When I contacted Nelnet their answer was that I could apply again for the XXXX XXXX XXXX  XXXX program and be monitored for another 3 years! I told them that I 've done what they asked and that my loans should have been discharged and forgiven and that I did not have to reapply for that reason. They refused and refused to give me any information on how to appeal the decision or the amount I supposedly made that put me over. 

So, my first payment of {$550.00} is due on XX/XX/XXXX and the bill I received stated that I owed {$45000.00}. However, I signed into Nelnet on XX/XX/XXXX and it states that I owe a total of {$71000.00} and that my first payment due on XX/XX/XXXX is {$830.00}. The amount continues to change and the payment amount continues to change. How do they expect someone who is on SSI XXXX and works part-time to pay {$830.00} a month? That is almost all the money I make in the month. I am barely feeding myself and keeping gas in my car but, yet they feel I 'm making more than enough to pay back almost {$900.00} a month. I have no means or way to pay them back and I have a letter from my XXXX doctor stating that I will never be able to function normally to the point that I can hold permanent full-time work. Also, SSI has stated that in the last review of my case that nothing has changed with my status of XXXX and that it was not going to change in the future due to my XXXX. Nelnet is placing an undue hardship on me. 

I am currently seeking the advice of a Student loan lawyer in this matter due to the undue hardship they are putting on me. I was told that I should contact the CFPB in this matter first however, if they continue to refuse to not discharge my loans. And continue to harass me, destroy my credit or try to go after my wages then I have no choice but to declare bankruptcy and ask for a special Adversary hearing with a Judge. 

Nelnet XXXX program cares nothing for the people they monitor and they look for any reason to reinstate you.

Company response to consumer: Closed with explanation