Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My name is : XXXX XXXXk & my daughter is : XXXX XXXX. She attended XXXX XXXX and that is whom the borrower 's defense against repayment complaint is against. I did XXXX weeks ago submit a complaint on this issue. The complaint number is : XXXX. The reason for a follow-up complaint is that the Department of Education and XXXX and ombudsman, ... .... NEVER respond or take responsibility for adjudicating individual complaints. My XXXX XXXX XXXX to XXXX XXXX # is : XXXX. My daughter, XXXX XXXX also has a case. 
Our complaints remain unanswered and in jeopardy while class groups with XXXX claims in commom continue to be processed and discharged at an expedited rate. This is disparate treatment and it is IMPERATIVE at this point, considering the political climate and threats of closing the Department of Education create insurmountable harm. 
Treatment of Individual XXXX Claims : Despite submitting multiple complaints, contacting the FSA Ombudsman three times ( only to receive incorrect and misleading information ), leaving five messages for my caseworker without a single response, and escalating my concerns repeatedly, I have received no substantive update on my case. This is a clear failure of due process and a denial of my rights to fair and timely adjudication under the XXXX program. 

*I recognize that the Department of Education has up to three years to process XXXX applications. However, the current prioritization of class action XXXX  cases over individual cases is fundamentally inequitable and discriminatory in its impact. The Department has demonstrated that it can adjudicate XXXX  claims in significantly less time than XXXX years when addressing class action settlementsyet individual cases, such as mine, are left in indefinite uncertainty. This selective and disproportionate allocation of resources is unjust, unreasonable, and must be corrected immediately. 
The continued delay in processing my application has caused substantial and measurable harm including : *Illegally accrued interest exceeding {$20000.00}, despite clear regulatory provisions that interest should not accrue beyond XXXX months after a XXXX application is submitted or during in-school deferment. 

*Severe emotional and financial distress, as my daughter faces unjust and crushing debt for an education she never truly received due to XXXX XXXX XXXX. 
XXXX and lasting harm to my daughters mental health, as a direct result of the abuse and illegal actions perpetrated by XXXX XXXX XXXX *My legitimate concern is that it is seemingly discriminatory, at least unequitable * The indefensible position of XXXX XXXX XXXX XXXX actions, marked by the firing of a Director to the President of the College, for creating a hostile work environment, yet my daughters suffering remains unaddressed.

*The risk of losing rightful discharge due to administrative and political shifts, leaving us without relief solely because our case is being handled unfairly compared to mass claims.

Given these violations of fairness, I am formally demanding : 1. Immediate adjudication of my Borrower Defense case to rectify the inequitable delays that have unfairly burdened my family. The ongoing failure to act constitutes administrative negligence and a violation of my civil rights.

2. A detailed, written explanation as to why class action XXXX claims are prioritized over individual claims and how this aligns with the Departments obligation to fairness. 
XXXX. A formal response providing the exact status of my case and an estimated timeline for adjudicationa right that should not require persistent, unanswered outreach to obtain. 
XXXX. Confirmation that all unlawfully accrued interest will be removed in accordance with BDTR provisions. 

The Department of Education FSA operates under a systemic obligation to fairness. Failure to process individual XXXX applications equitably constitutes discriminatory treatment by the Department of Education and places undue hardship on borrowers who are not part of mass claims. The three-year processing window is no longer relevant when class action claims are being resolved in a fraction of that time, leaving individual borrowers in an indefensible position of delay and uncertainty. 

If I do not receive a timely and substantive response, I will escalate this matter further, including seeking legal representation. 
A formal response providing the exact status of my case and an estimated timeline for adjudicationa right that should not require persistent, unanswered outreach to obtain. 
Confirmation that all unlawfully accrued interest will be removed in accordance with XXXX  provisions. 
This systemic failure to process individual XXXX  applications equitably constitutes discriminatory treatment by the Department of Education and places undue hardship on borrowers who are not part of mass claims. The three-year processing window is no longer relevant when class action claims are being resolved in a fraction of that time, leaving individual borrowers at a disadvantage and in danger of losing their rights to a discharge, especially in this mess! 
If I do not receive a timely and substantive response, I will escalate this matter further, including seeking legal intervention, engaging with elected representatives, and pursuing media exposure of this clear failure to ensure due process for all borrowersnot just those benefiting from class action settlements. 

I expect written confirmation of receipt and a formal response upon receipt of this letter. Please direct all correspondence to my email at XXXX or my phone at XXXX. 

I trust that the Department will act in accordance with its duty to protect borrowers, uphold its own policies, and ensure the XXXX administration of the XXXX program. 

Sincerely,

Company response to consumer: Closed with explanation