Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To whom it may concern, A few days ago, I checked my credit report and found that there was an {$11000.00} student loan from Sloan Servicing on my credit report. This was exceedingly disturbing for several reasons that I will explain below in bullet points for ease of understanding. 
In XXXX I was determined to be totally and permanently XXXX by the XXXX XXXX XXXX. That is, XXXX. They then investigated and forgave my student loans which were in excess of {$150000.00} because I had gotten my XXXX. In addition to my obvious loans I also had a loan that I had been comaker on because it was a consolidated loan from the XXXX. It was actually in my XXXX name ( XXXX XXXX, XXXX, XXXX ) and I was comaker. In order to help my ex-husband out I asked the XXXX XXXX XXXX to investigate that loan as to how much of it was my portion and to forgive that portion. This was a long process that took many steps but in XXXX they also forgave over {$14000.00} of the total approximately {$39000.00} loan leaving XXXX XXXX with a balance of approximately {$26000.00} and me still as comaker. Why I was still comaker I did not understand and neither did Nelnet, but thats the way it was. The loan forgiveness did not become permanent until the XXXX year waiting period was over in XXXX, but at that time they did become permanent ( with the normal contingencies ). 
I remained comaker on that approximately {$26000.00} loan throughout XXXX, XXXX, XXXX and to present. That meant that since he was constantly in an IDR status that I had to get on the phone with him and Nelnet every XXXX months approximately and discuss the IDR and submit my income statement which was extremely difficult since our relationship is not the best. 
Also, my ex-husband who has been an anti-government protester and author and even sued the United States government in an illegal tax scheme in the early XXXX was indignant that my loans were forgiven and he still had a portion of his left. In my opinion, he is not a person of good judgment or character. Apparently, at some point in XXXX he filled out the application to have the {$26000.00} loan split into my portion and his portion. Unfortunately, I believe that was fraud. He knew it was fraud because he knew that my portion had already been taken out and forgiven in XXXX. But he pursued filling out that application knowing all well that the entire {$26000.00} was from his and his only student loans. I was only a comaker and I shouldnt have even been that. 
When I discussed this problem with the XXXX XXXX XXXX on XX/XX/XXXX, and after discussing it with Sloan servicing and having been referred to the XXXX XXXX XXXX, the XXXX  assured me that the application that they received for splitting the loan had been sent directly to Sloan servicing, and that Sloan servicing was the agency responsible for splitting the loan. Now I assume in good faith that Sloan was simply ignorant of the fact that the loan had already been split in the past. However, they definitely now know, and they have admitted to me that they see it in the records. Therefore, they should reunite the loan under XXXX XXXX name. Unfortunately, on my phone calls to them, they have refused to do this. It is very concerning to me that instead they have advised me to go back to XXXX XXXX  and have that {$11000.00} loan forgiven by the XXXX XXXX XXXX. Clearly that would be fraud on my part, and on their part, and it was certainly the motive of XXXX XXXX to commit this fraud in the first place. I will not do it. Clearly Sloan would do it, and XXXX XXXX would do it, but I will not. 
I am still totally and permanently XXXX per Social Security and I have no taxable income. There is no hope that that {$11000.00} loan will ever be recovered through me. However, it was never my loan. As of this afternoon, the XXXX XXXX XXXX reported to me that I have a XXXX loan balance, everything is paid. The only place that I have a loan balance is with Soan Servicing. That is because they are the ones that split the loan illegally and fraudulently on the fraudulent behest of XXXX XXXX. 
with it. Can you please help me? 

XXXX XXXX, XXXX. 
Florida XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation