Consumer complaint received 2025-03-05 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: MI

Complaint narrative:
I am again requesting the original documentation, not just numbers on paper, as this does not constitute the original forms. 
to clarify, I request all original documentation that I signed, including my original promissory note from XXXX. I would like a copy of that along with all my original loan information. The materials you provided, such as random loan numbers on a spreadsheet, would not be legally valid compared to the original copies. Original documents serve as authentic proof of the agreement, while spreadsheet entries lack the necessary signatures and context to be upheld in court. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Sloan Servicing XXXX Nelnet XXXX XXXX : Freedom of Information Act ( FOIA ) Request Dear [ Recipient Name ], Pursuant to the Freedom of Information Act ( 5 U.S.C . 552 ), I am writing to formally request access to records and information pertaining to my student loan as outlined in the text provided below : I am requesting every single document I am entitled to regarding my student loans. This includes, but is not limited to, the following documentation : 1. **Loan Agreement** : The original promissory note or loan contract outlining the terms of the loan.

2. **Account Statements** : Monthly or annual statements detailing my loan balance, interest accrued, and payment history.

3. **Payment History** : A detailed record of all payments made, including dates, amounts, and any adjustments.

4. **Interest Rate Information** : Documentation reflecting my interest rates, including variable vs. fixed rates.

5. **Servicing Records** : Records that show how my loan has been serviced, including interactions with customer service.

6. **Repayment Plans** : Information on repayment options available, including standard, income-driven, and deferment options.

7. **Loan Discharge or Forgiveness Information** : Documentation regarding eligibility for loan forgiveness programs and any applications submitted for such programs. 8. **Grace Period Details** : Information about any grace periods applicable to my loan. 9. **Default Infor
mation** : Records detailing any defaults, corrections, or rehabilitation options.

10. **Loan Consolidation Information** : Documentation regarding options and terms for consolidating multiple loans.

11. **Collections Records** : Any records related to collections if my loan is in default, including notifications and actions taken.

12. **Communication Records** : Copies of emails, letters, or other correspondence between me and my loan servicer.

13. **Documentation of Payments** : Receipts or confirmations of payments made on my loan.

14. **Audit Trail** : A detailed log of any changes made to my loan account over time. 
XXXX. XXXX XXXX XXXX ( XXXX ) Grant Information** : If applicable, documentation related to any federal grants or aid received.

16. **Borrower Rights Information** : Information about my rights as a borrower, including protections under federal and state s
tudent loan laws.

17. **Loan Cancellation Policy** : Details regarding policies for cancelling loans in certain circumstances ( e.g., death, total disability ).

As a member of the public, I believe that access to these records is within my rights as outlined under the FOIA and is supported by student rights laws that ensure transparency in the servicing of student loans. The regulations, including 19-33-6, require that each student loan servicer maintain accurate and complete records regarding the servicing of student loans, further underscoring the importance of accessibility to such information.

Additionally, according to XXXX state laws, you have 5 days to respond to my request. If there are any fees for searching or copying these records, please inform me in advance if the cost will exceed $ [ your specified amount ]. I expect your agency to process this request promptly and in accordance with the statutory time limits established by law. If you deny any part of this request, I would appreciate a written explanation with the specific exemptions justifying your denial as stipulated under 5 U.S.C. 552 ( b ). I would also like to be notified of my right to appeal any decision made regarding this request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX. Maintenance of records. 

( a ) Each student loan servicer shall maintain complete records of each student education loan transaction, including recordings of communications with borrowers, for not less than two ( 2 ) years following the final payment on such student education loan or the assignment of such student education loan, whichever occurs first, or any longer period as may be required by any other provision of the general or public laws. 

( b ) If requested by the division of banking, each student loan servicer shall make all records available, not later than five ( 5 ) business days after requested. Upon request, the department may grant a student loan servicer additional time to make these records available.

History of Section. 
P.L. XXXX, ch. XXXX, XXXX ; P.L. XXXX, ch. XXXX, XXXX.

Company response to consumer: Closed with explanation