Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Subject : Formal Dispute of XXXX Qualifying Payment Count and Request for Accounting Borrower Name : XXXX XXXX XXXX : Nelnet Source of Record : XXXX XXXX XXXX File -- - Formal Dispute I am formally disputing the accuracy of my Income-Driven Repayment ( XXXX ) qualifying payment count. Based on my official federal student loan history, I have completed approximately XXXX qualifying months toward IDR forgiveness. Any materially lower count indicates that qualifying periods have been improperly excluded or have not yet been correctly applied. -- - Basis for Dispute XXXX. Pre-Consolidation Credit ( Required Under XXXX Adjustment ) My loans were consolidated on XX/XX/XXXX. All qualifying payment history prior to consolidation must be credited under the XXXX account adjustment. Failure to include this period would improperly exclude over a decade of repayment history. -- - XXXX. Repayment Periods ( XXXX, XXXX ) My records show extended periods in In Repayment status beginning in XXXX, with additional qualifying repayment periods following resolution of default. These periods must be counted toward IDR forgiveness unless a specific regulatory exclusion applies. -- - XXXX. Forbearance Periods Subject to Adjustment My loan history reflects frequent transitions between repayment and forbearance. Under current Department of Education guidance, certain forbearance periodsparticularly extended or cumulative periodsmay qualify toward IDR forgiveness. These periods must be individually evaluated and not categorically excluded. -- - XXXX. XXXX Administrative Forbearance ( XXXX ) All months during the federal payment pause are qualifying months toward IDR forgiveness and must be fully credited. -- - XXXX. Default Period Clarification I acknowledge that periods in default are non-qualifying. However, all post-default repayment periods must be fully credited and accurately reflected in my qualifying count. -- - Requested Action I am requesting the following : XXXX. A complete, month-by-month accounting of my IDR qualifying payment count XXXX. Identification of each month excluded, with a specific reason for exclusion XXXX. Confirmation that : - The XXXX account adjustment has been fully applied to my account- All pre-consolidation qualifying periods have been credited- All eligible forbearance periods have been properly reviewed -- - Expectation for Resolution Given my documented repayment history, my qualifying payment count should reasonably be in the range of XXXX months. If your records reflect a materially lower number, I require a detailed explanation supported by the applicable regulatory basis for each excluded period. -- - Notice If this matter is not resolved with a complete and accurate accounting, I am prepared to escalate this dispute to the appropriate oversight entities, including the XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau. -- - Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation