Consumer complaint received 2025-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
The XXXX XXXX XXXXthe U.S. Department of Education XXXX involved in deceiving and ROBBING/STEALING billions dollars FROM the former students when made the students to consolidate their student loans with a " lower interest rates '' but messing up their repayment plans with SAVE questionable income repayment plan, which increased the monthly payments and more importantly, messed up/extended the years toward the IDR forgiveness of student loans. 

XXXX XXXX XXXX XXXXthe U.S. Department of Education PROMISED the XXXX XXXX Students, who work very hard to repay ( FORGIVE ) their student loans under PSFP and IDR plans that " If you consolidate your loans, the qualifying payments made on the Direct Loans, included in your consolidation loan will be credited to your consolidation loan using a weighted average of those payments '' XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXhe U.S. Department of Education PROMISED the XXXX XXXX Students, who work very hard to repay their student loans under PSFP and IDR plans that THIS WILL BE ONE CONSOLIDATED LOAN as a Direct Consolidated Loan, and regarding a forgiveness, no matter if the LOANS WERE subsidized or unsubsidized, the StudentAid.gov will be counting and crediting payments according to the longest loan taken per the longest in age monthly payment considered, no matter if the Loans were XXXX or XXXX Loans, they will become eligible for forgiveness under XXXX XXXX consolidated loan. ( " As part of the payment count adjustment, were allowing qualifying payments from all loans included in a Direct Consolidation Loan, including FFEL Program loans and XXXX Loans, to contribute toward the qualifying payment count on the Direct Consolidation Loan [ CLICK on the above Internet link ]. 

XXXX. On XX/XX/XXXX, I consolidated my student loans per the ADVISE OF XXXX XXXX XXXX XXXX/StudentAid.gove/or the U.S. Department of Education PROMISES , that my loan payment count will be correctly credited. BEFORE consolidation, I was in a PAYE Plan ( see the part of a photo copy of my application attached ), or 10 % forgiven for 20 years. On XX/XX/XXXX at XXXX XXXX the U.S. Department of Education sent me the following email, ordering me to " Apply for the SAVE plan during the beta period and you wont have to reapply later [ .. ] Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ''. I disagreed and did not applied. 
XXXX. Without my knowledge and agreement, the XXXX XXXX XXXXthe U.S. Department of Education MOVED ME TO the SAVE plan '' FROM MY FORMER PAYE PLAN WITH Great Lakes. MY NEW SERVER XXXX INCREASED MY MONTLY PAYMENT to more than {$840.00} per month on my Direct Consolidated student loans, which I can not pay, as barely I have for gas money. 
XXXX. In other words, XXXX XXXX XXXXthe U.S. Department of Education PROMISES to students to consolidate their student loans turned to be the biggest SCAM AND LIE in the XXXX century, as the student loan payments has increased, not decreased as promised.This is also due to misleading division of consolidated Direct Loans, place as XXXX Direct consolidated loans under the IDR Progress at StudentAid.gov. This is WRONG, and is a FRAUD. 

XXXX. XXXX day ago ( XX/XX/XXXX ) " XXXX XXXX XXXX XXXX Student Loan Forgiveness and Borrower Assistance XXXX XXXX XXXX.. ] XXXX years ago, XXXX XXXX made a promise to fix a broken student loan system. [ ... Today, the [ XXXX ] Department [ of Education ] also announced the completion of the IDR payment count adjustment, correcting eligible payment counts.The Department is also launching the ability for borrowers to track their IDR progress on StudentAid.gov. Borrowers can now log in to their accounts and see their total IDR payment count and a month-by-month breakdown of progress. " XXXX XXXX XXXX XXXX  ) **Here is the information from StudentAid.gov : Eligible Loan Types The chart below shows the types of federal student loans that you can repay under each of the income-driven repayment plans.Loan Type SAVE PlanPAYE PlanIBR PlanICR PlanDirect Subsidized LoansXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Compare IDR Plans Repayment Plan % of Discretionary Income Repayment Period ( in years ) SAVE Plan 10 % XXXX for only XXXX loans XXXX if you have any graduate or professional loans XXXX XXXX 10 % XXXX XXXX Plan ( first borrowed after XX/XX/XXXX ) 10 % XXXX XXXX Plan ( borrowed before XX/XX/XXXX ) 15 % XXXX ICR Plan 20 % XXXX XXXX. I opened my account to track my IDR progress on StudentAid.gov. ONCE MORE, the disappointment and disgust of incorrect scamming counting due to the transition between XXXX XXXX and XXXX, as well the NEGLIGENCE OF THE US DEPARTMENT OF EDUCATION STUDENT LOANS ARE HORRIBLE. MY STUDENT LOANS ARE COUNTED UNDER THE NEW XXXX PLAN, I never applied for. MY STUDENT LOANS DO NOT APPEAR AS XXXX DIRECT CONSOLIDATED LOAN, BUT PURPOSELY WERE SPIT/DIVIDED BY XXXX AND U.S. DEPARTMENT OF EDUCATION XXXX XXXX Consolidated Unsubsidized and other Direct Consolidated Subsidized. 

HASN'T THE US DEPARTMENT OF EDUCATION PROMISED after consolidation the students to see XXXX DIRECT Consolidated LOAN, rather than XXXX listed as mine? 

NOTE : If my student loans, or any other student loans are listed as XXXX XXXX student loans then the qualification of separatly both will be different toward the IDR forgiveness. [ e.g. Graduate student loans and XXXX student loans have different eligibility ]. This is why such HORRIFIC mistake is sinfully made into the student payment count : to disqualify qualified payments under XXXX DIRECT CONSOLIDATED LOAN! 
XXXX. More importantly, such division placed my student loans ' payment count under the 25 years of forgiveness, instead of 20 years per the XXXX Department of Education promises : they will credit the payments according to my SAVE plan, but they PURPOSELY SWITCHED MY PAYE PLAN SO StudentAid.gov INCREASES MY REPAYMENT PERIOD to the 25 YEARS period in repayment, UNDER SAVE PLAN AND payments ' months are CALCULATED WRONGLY UNDER THE GRADUATE REPAYMENTS ( XXXX  YEARS VS. XXXX FOR XXXX ). 

THIS IS TOTALY MESSED UP, SO WRONG ... .SO INCORRECT, SO SCAMMING .... 

PLEASE SEE THE SCAMM AS COPIED FROM MY ACCOUNT : XXXX Qualifying Payments XXXX Remaining Payments Loan Type Qualifying Payment ( XXXX ) Estimated XXXX End of Repayment Term XXXX - Direct Consolidated Unsubsidized - {$43000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I NEVER WANTED TO BE ON THE SAVE PLAN!!! NOR I HAVE APPLIED. The US DEPARTMENT OF EDUCATION PLACED ME FORCIBLY INTO SAVE Plan SO THEY INCREASE MY REPAYMENT PERIOD WITH XXXX MORE YEARS. IF THEY DID NOT wrongly decided my XXXX Consolidated Direct Loan on XXXX Direct Consolidated Loans, I SHOULD BE HAVING a PROJECTED FORGIVENESS not in XX/XX/XXXX, but in XX/XX/XXXX. 
BE INFORM HOW FRAUDLY THE COUNTNG has been done after I consolidated my Student Loans In XXXX Student Consolidated loans [ SEE COPY OF MY COUNT attached here ) Consolidation Loan - {$43000.00} XX/XX/XXXX {$0.00} Ineligible View Details XXXX - Consolidation Loan - {$31000.00} XX/XX/XXXX {$0.00} Ineligible View Details XXXX - Consolidation Loan - {$43000.00} XX/XX/XXXX {$0.00} Ineligible View Details XXXX - Consolidation Loan - {$31000.00} XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX - Consolidation Loan - {$43000.00} XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX - Consolidation Loan - {$31000.00} XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX - Consolidation Loan - {$43000.00} XX/XX/XXXX {$0.00} Ineligible Hide Details IDR Repayment Plan : Saving on a Valuable Education ( SAVE ) Plan Additional Information : Ineligible due to forbearance View contact information for your loan servicers. 
XXXX - Consolidation Loan - {$31000.00} XX/XX/XXXX {$0.00} Ineligible View XXXX XXXX - Consolidation Loan - {$43000.00} XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX - Consolidation Loan - {$31000.00} XX/XX/XXXX {$0.00} Ineligible NOW SEE HOW MY CONSOLIDATION LOAN IS PLACED UNDER IDR SAVE PLAN IN XXXX ( OR MY FIRST ELIGIBILITY ), WHEN SAVE WAS NEVER EXISTING PLAN. THIS IS A LIE... THE US. DEPARTMENT OF EDUCATION MUST RECORD THE XXXX PLAN that I was originally place under SINCE XXXX ( XXXX ) AND GIVE ME THE APPROPRIATE CREDIT/LOWER YEARS FOR FORGIVENESS. Although, according to the numerous pages ( XXXX ), I have completed more than XXXX eligible payments toward forgiveness. 

View Details XXXX - Consolidation Loan - {$43000.00} XX/XX/XXXX Qualifying Hide Details IDR Repayment Plan : Saving on a Valuable Education ( XXXX ) Plan Additional Information : This month qualifies towards XXXX. 
. 
XXXX - Consolidation Loan - {$31000.00} XX/XX/XXXX Qualifying View Details HERE IS HOW MY STUDENT LOANS APPEAR IN MY XXXX ( AS XXXX CONSOLIDATED LOAN NOT XXXX!!! ) : Account : XXXX XXXX and Loan Summary Within each account, your individual loans may be grouped according to the characteristics they have in common. 
Current Amount Due : {$0.00} Due Date : XX/XX/XXXX Current Balance : {$74000.00} Once again, I WAS PLACED FORCIBLY, without my knowledge IN FORBEARANCE ... .SO ANY MONTHS IN XXXX ARE now INELIGIBLE for forgiveness ... and IT WAS DONE DUE TO THE US DEPARTMENT OF EDUCATION PROMISES TO MAKE THE PAYMENT COUNT correct and QUICKER in time therefore it took more than XXXX years and it appears to be incorrect process. 

MORE IMPORTANTLY, MY IDR account/page/count ( UNDER PAYMENT HISTORY ) IS COUNTING XXXX payments. ONLY XXXX OF XXXX PAYMENTS ARE FOUND INELIGIBLE or = XXXX ELIGIBLE. SO WHY THE US DEPARTMENT OF EDUCATION UNDER PAYMENT COUNT IS incorrectly counting ONLY XXXX Payments of XXXX Qualifying Payments AND XXXX Remaining Payments for XXXX forgiveness ( XXXX more years???? ) On XX/XX/XXXX, at Federal Student Aid, I have submitted an Income-Driven Repayment ( XXXX ) Plan application and was approved for XXXX ( XXXX application was completed and accepted and I never switched to another plan. But the XXXX Department of Education and XXXX frivoliously changed my plan, without notifying me, to SAVE plan. All can be proved under my account. And as such illegal actions, they increased my forgiveness with XXXX more years, while deceiving to me.

Company response to consumer: Untimely response