Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX To whom it may concern : Im a XXXX XXXX  in XXXX XXXXXXXX ( XXXX ) at XXXX in XXXX XXXX, CA. My XXXXXXXX ( XXXX ) took 8 years during which, in addition to XXXX I had specialized training in XXXX XXXX XXXX XXXX XXXX 

My student loans in total amounted to {$60000.00} ( before all the penalties and interest have accumulated over the years ) for both XXXX ( XXXX ) and medical school ( XXXX ) education. The end of that education is now XXXXXXXX  years ago. 

After XXXX I went out into private practice in XXXX XXXX XXXX covering many hospitals that served underprivileged populations in medically underserved areas. 

For 14 years ( XXXX ), I worked in these areas and at hospitals caring for the above individuals, including but not limited to, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX I took call at these hospitals and had offices in those areas to serve both the inpatient and outpatient needs of these patients. 

During this entire period of time, I worked innumerable hours ( XXXX per week ) sacrificing my life and the lives of my family to care for the needy. At the same time, the only reimbursement for this was through government programs which paid pennies on the dollar, if at all. 

In addition, because of this, my medical practice and I personally had to file bankruptcy in XXXX after losing everything and required that I move, in the same year, my entire family out of XXXX XXXX, where my children had lived their entire lives, to XXXX, FL, in order to work and survive financially under the burden of all my debt. 

There were no programs to assist and/or offset my student loan debt during this time. In addition, all attempts to settle my debt with the debt loan servicers and government ( dept of education ) were met with derision and I was told repeatedly that there is no mechanism by which to do that ( all these correspondences can be provided as proof of what Im saying is requested ). 

I am now being threatened with garnishment, wage attachments, liens, bank account raids, credit score decrease, etc. This is manifestly unfair. I feel as though I have paid more than my share of debt to the government by caring for underprivileged communities in XXXX areas with little or no pay for many many years, and have, and continue to do so, throughout my career ( after XXXX XXXX, I have worked in XXXX, CA ; XXXX, WA ; XXXX, WI ; XXXX, FL ; XXXX XXXX, TX ; XXXX, ND ; XXXX, WY to name but a few of the communities that are XXXX and/or serve underprivileged and underrepresented populations ). 

I am now XXXX XXXX XXXX and do not have money saved for retirement. I did NOT ( and am not ) become rich being a nXXXX. I will need to rely on my children ( all XXXX of whom I put through college without student loans ) to support me in my retirement. 

My student loans should be forgiven at this point and though my professional services not paid for over the years amount to XXXX XXXX XXXX we can call it even. 

Thank you for your consideration of the above. I look forward to your reply. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation