Consumer complaint received 2026-03-10 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Subject : Follow-Up Regarding IDR Account Adjustment, SAVE Plan Status, and Forgiveness Eligibility Complaint ID : XXXX : XXXX XXXX XXXX Servicer XXXX XXXX To : U.S. Department of Education Federal Student AidXXXXConsumer Financial Protection Bureau I am submitting this follow-up statement regarding my ongoing complaint and the response I received from Federal Student Aid dated XX/XX/XXXX concerning my eligibility for the one-time Income-Driven Repayment ( IDR ) account adjustment and potential forgiveness. The Federal Student Aid letter confirms that I submitted a Direct Consolidation application prior to XX/XX/XXXX and that the consolidation loan was disbursed prior to XX/XX/XXXX. These dates place my loans within the eligibility parameters for the Department of Educations one-time IDR account adjustment and forgiveness review. The letter also states that : Records indicate on XX/XX/XXXX, XXXX received your request for the SAVE plan. The SAVE plan and the lowest monthly payment are no longer available. However, recent federal court developments call this statement into question. On XX/XX/XXXX, a federal district court declined to approve a proposed settlement that would have eliminated the Saving on a Valuable Education ( SAVE ) plan ahead of schedule. As reported in national coverage of the ruling, the court decision means that the effort to terminate the SAVE plan early is currently moot and that the Department of Education must evaluate next steps regarding implementation of relief provisions. Public reporting following the decision has indicated that lawmakers and borrower advocates are urging the Department of Education to resume processing student-loan relief for borrowers who are eligible under income-driven repayment programs. Reports note that the courts decision effectively restores the possibility that borrowers may again receive debt relief and forgiveness determinations tied to IDR programs. Given these developments, the recommendation in the XX/XX/XXXX correspondence that I submit a new IDR application raises significant concerns. Submitting a new IDR application could potentially interfere with or delay my eligibility review under the Department of Educations one-time IDR account adjustment process, particularly given that my consolidation occurred within the qualifying time frame for the adjustment. My request in this complaint remains focused on clarification and proper application of federal policy regarding the IDR account adjustment and forgiveness eligibility. Specifically, I respectfully request the following : 1. Confirmation that my loan account has been fully reviewed under the Department of Educations one-time IDR account adjustment. 2. Disclosure of my current qualifying payment count toward IDR forgiveness following application of the adjustment. 3. Confirmation as to whether my account has been placed into IDR forgiveness eligibility review. 4. Clarification that my XX/XX/XXXX SAVE plan request does not negatively impact or reset my IDR forgiveness eligibility or qualifying payment count. 5. Confirmation that all eligible repayment, deferment, and forbearance periods have been properly credited toward IDR forgiveness in accordance with Department of Education guidance on the IDR account adjustment. Because this issue involves federal student-loan servicing and compliance with Department of Education policy , I respectfully request that this matter be reviewed by XXXX regulatory compliance or executive response unit and by the Department of Educations IDR account adjustment review team. This complaint is not a request for a new repayment plan. Rather, it is a request for confirmation that the federally mandated IDR account adjustment and forgiveness eligibility review have been properly applied to my account. Given the recent court developments and ongoing public statements encouraging the Department of Education to resume debt-relief processing for eligible borrowers. Because you consolidated before XX/XX/XXXX, your account falls into the highest-priority group for the IDR account adjustment. Many borrowers in that group are being quietly moved into forgiveness review during XXXX as the Department of Education finishes the backlog. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response