Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I requested immediate processing of my IDR recalculation based on current {$0.00} income to prevent incorrect billing. Subject : Urgent IDR Recalculation Request {$0.00} Income Documentation Submitted I formally requested processing of my Income-Driven Repayment recalculation based on my current financial situation. I have submitted documentation confirming that I have {$0.00} income, including eligibility for SNAP and Medicaid benefits. Based on this, my calculated payment under IDR should be {$0.00}. I was previously informed to wait until closer to the end of my deferment period. However, I requested confirmation that : * My submitted documentation has been received and will be used * My recalculation will be completed prior to repayment resuming * I will and can not be billed an incorrect payment amount Additionally, I requested administrative forbearance extension to prevent any improper billing while this recalculation is pending. Please confirm in writing that my account will be properly adjusted based on my current income. I originally was awarded IDR ( XX/XX/XXXX ) within SAVE ACT at {$0.00} and was on consistent monthly payments to have canceled and or forgiven with however fast forward to today Current President Trump Administration bills has deleted that approved mutual agreement and escalated into IDR over $ XXXX monthly payment that I can not afford. Servicer is failing to apply documented {$0.00} income under IDR guidelines and is attempting to bill an amount that is not affordable and not consistent with my verified financial status. " } Subject : Federal Student Loan Servicing Complaint Failure to Apply {$0.00} Income IDR Calculation ( Account : XXXX ) I am submitting this complaint regarding improper handling of my federal student loan account ( Account : XXXX ). I am currently experiencing severe economic hardship and have documented {$0.00} income. I have provided proof of my financial condition, including active eligibility for SNAP and Medicaid benefits, which clearly demonstrate that I have no discretionary income. Despite submitting this documentation, my loan servicer is reflecting a projected monthly payment of approximately {$100.00} under an Income-Driven Repayment ( IDR ) plan beginning XX/XX/XXXX. This amount is inconsistent with federal IDR guidelines, which require payments to be calculated based on current income. With {$0.00} income, my required payment should be {$0.00}. I contacted my loan servicer and was informed that I must wait until approximately XXXX days before the end of my deferment period before my recalculation request will be processed. This delay creates a significant risk of improper billing and financial harm, as it does not ensure that my account will be correctly adjusted prior to repayment resuming. I am requesting the following actions : 1. Immediate acknowledgment and processing of my submitted {$0.00} income documentation 2. Correction of my projected payment amount to {$0.00} in accordance with IDR regulations 3. Assurance that no improper billing or delinquency will occur due to processing delays 4. Placement into administrative forbearance, if necessary, until recalculation is completed 5. Confirmation that all qualifying {$0.00} payments will continue to count toward loan forgiveness This situation reflects a failure in servicing practices, particularly in the accurate and timely application of income-driven repayment rules for borrowers experiencing ongoing economic financial hardship. I request prompt research and resolution of this matter.

Company response to consumer: Closed with explanation