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: MOHELA
State: CA

Complaint narrative:
Subject : Urgent Correction of In-School Status and Request for IBR Enrollment ( Preservation of IDR Adjustment ) To Whom It May Concern ( MOHELA, U.S. Department of Education , and Consumer Financial Protection Bureau ) , I am writing regarding my federal student loans currently serviced by MOHELA and overseen by the U.S. Department of Education . Enrollment Status Correction My account reflects an in-school or in-school deferment status with an anticipated end date of XX/XX/XXXX. This information is incorrect. I am no longer enrolled at XXXX XXXX XXXX XXXX XXXXXXXX as of XX/XX/XXXXXXXX I am enrolled in XXXX units at XXXX XXXX XXXX XXXX This enrollment level is below half-time Federal Student Aid records also reflect this status, stating that I have recently withdrawn or dropped below half-time enrollment. Therefore, I do not meet the eligibility requirements for in-school deferment. I request immediate correction of my loan status from in-school to repayment, including retroactive correction of any periods where this status was applied in error. IDR Enrollment Request ( IBR Plan ) Due to recent federal guidance following court actions affecting the SAVE plan, borrowers are required to select a new repayment plan. I am requesting to be placed in the Income-Based Repayment ( IBR ) plan upon correction of my loan status. At present, the incorrect in-school classification is preventing me from entering repayment and completing this required step. Clarification Regarding One-Time IDR Adjustment I want to clearly state that I do not wish to take any action that would negatively impact my eligibility for the one-time Income-Driven Repayment ( IDR ) account adjustment. My understanding is that : My loans were consolidated within the eligible timeframe My adjustment credit is based on my historical repayment period, including earlier loans dating back to the XXXX The IDR adjustment is a retroactive credit review and is not dependent on current repayment plan enrollment I am not requesting consolidation or any action that would reset or interfere with this adjustment. However, my current misclassification as in-school is preventing : entry into repayment enrollment in an IDR plan ( IBR ) continued accumulation of qualifying months This creates a situation where I am unable to comply with federal repayment requirements due to administrative error. Regulatory and Legal Basis This request is supported by federal regulations and servicing requirements, including but not limited to : 34 C.F.R. 685.204 Borrower eligibility for deferment requires at least half-time enrollment 34 C.F.R. 685.209 Income-Driven Repayment ( IDR ) plan eligibility and processing requirements 34 C.F.R. 685.211 Forbearance and deferment administration accuracy requirements Federal Student Aid servicing standards requiring accurate enrollment reporting through XXXX Failure to correctly report enrollment status and process IDR applications may constitute a servicing error and denial of borrower rights under federal law. Requested Resolution I respectfully request the following : Immediate removal of in-school and in-school deferment status Placement of all eligible loans into repayment status Processing of my request for enrollment into the Income-Based Repayment ( IBR ) plan Confirmation that my IDR adjustment eligibility and historical credit will be preserved and not impacted Written confirmation of all corrections made This matter has been raised previously and remains unresolved. The current status is causing material harm by preventing access to repayment options and delaying progress toward loan forgiveness. Please treat this matter as urgent and confirm resolution in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response