Consumer complaint received 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/year> **U.S. Department of Education** Office of Federal Student Aid XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject XXXX Request for Loan Dismissal Due to Fraudulent Practices by XXXX XXXX XXXX and XXXXmproper Loan Servicing by MOHELA Dear Sir/Madam, I am writing to formally request the dismissal of my federal student loans serviced by MOHELA, which were issued in connection with my attendance at XXXX XXXX XXXX. I believe I am entitled to a loan discharge due to fraudulent and deceptive practices by XXXX XXXX XXXX, as well as improper loan processing and servicing by MOHELA. 

Background of Fraudulent Practices at XXXX XXXX XXXX : I attended XXXX XXXX XXXX during XXXX, a period in which the school engaged in widespread fraudulent practices that misled students, including myself, about program accreditatiXXXX, job placement rates, and the overall value of the education provided. The school falsely advertised its programs, failed to deliver on the promises made to students, and engaged in high-pressure recruiting tactics that targeted vulnerable individuals. 

Furthermore, there have been numerous reports and findings by federal and state agencies confirming that XXXX XXXX XXXX engaged in systemic fraud that left many students with substantial debt and no viable career prospects. As a result of these actions, I believe I am eligible for a " Borrower Defense to Repayment '' discharge. 

Issues with Loan Processing and Servicing by MOHELA : In addition to the fraudulent practices of XXXX XXXX XXXX, there were irregularities in the loan processing and servicing by MOHELA, which has compounded the financial harm caused by my enrollment at XXXX XXXX. Specifically, I believe there were discrepancies in how my loans were processed, and I have experienced difficulty in receiving accurate information and assistance from MOHELA regarding my repayment options and loan management. 

These issues have added further hardship to an already difficult situation, and I believe that these factors, combined with the fraudulent practices of the school, provide grounds for a full discharge of my loan obligations. 

Request for Loan Discharge : In light of the circumstances outlined above, I am requesting the complete dismissal of my federal student loans issued in connection with my attendance at XXXX XXXX XXXX, due to the following reasons : 1. Fraudulent and deceptive practices by XXXX XXXX XXXX, which misled me about the nature and value of its educational programs. 
2. Irregularities in loan processing and servicing by MOHELA, which have caused further financial harm and confusion.

I kindly ask that you review my case and consider my application for discharge under the " Borrower Defense to Repayment '' program. I have attached the necessary documentation to support my request, including [ list any documents you have, such as enrollment records, loan statements, and any correspondence with MOHELA or XXXX XXXX ]. 

Thank you for your time and attention to this matter. I hope for a prompt and favorable resolution. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Loan statements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation