Consumer complaint received 2025-01-16 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: MN

Complaint narrative:
I attended XXXXXXXX XXXX XXXX XXXX from XXXX to XXXX for their masters, then doctoral graduate programs. When I initially enrolled, it was XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, it was focused on small class size, applicable clinical skills and focusing on the student. It was a hard program to get into then. The program was very high regarded in our community as an institution to train clinical psychologists as stellar treatment providers. 

The year after I began, XXXX took over. The class sizes grew massively each year. The teachers were exhausted and overwhelmed. The program was disorganized as they became a mill for graduate students. I recall my professors being concerned about the class sizes and that students were not capable of graduate work. They had to institute a writing program for over 50 % of students as many were writing at a high school level. It was terrible. I decided to stay because I was already so far into my program and I did not want to have to start over. I tutored the writing program and continued to be one of the top students of my class. 

In my XXXX year, we had to take comprehensive exams. I took my exams and it took about XXXX weeks for the results. When my results came, it said that I had failed my exam. I was devastated. It was also time to apply for internships so I had to wait until my peers applications went out before my advisor had time to review my exam with me. I will never forget when she handed me my exam and I was so confused. In order to not show bias, we were expected to give our exams with only our social security number- not our names. The exam that was handed to me was not my social security number nor my exam. They had mixed them up. 

I learned that I had actually passed my exams and did not need to retake them. However, it was too late for internship and I had to wait another year. I was devastated. My parents wanted to sue the school. I refused because I was desperate for my degree. The school agreed that I could do an advanced practicum at no cost for the year, while I waited to apply to internship. 

I decided to move to FL to do my internship because my classes were all complete and all I had was this practicum, internship, and my dissertation left. I found my own practicum in XXXX XXXX. Then I started getting bills for tuition. I reminded them of what they said and they claimed that they could not fix it because the system would not allow them override tuition so I had to pay it to stay in the program. Another year of tuition. 

The following year came and I applied for internships. I was focused on XXXX XXXX  because my grades were good and I had another year of training. I applied to several child neuropsychology programs that were competitive. I practiced interviews and worked hard to be able to prove myself worthy of their programs. Then the rejection letters arrived. Turned out the internship advisor, XXXX XXXX XXXX, had accidentally checked that I was on academic probation and I was not. She wrote letters to correct her errors, but it was too late. I was left with waiting yet another year or finding an XXXX XXXX. I went with the XXXX  because I just wanted to graduate. 

Post graduation, I had been told my dissertation was approved. I decided not to return to campus for the graduation ceremony because I was too disenchanted with the program. I went right into my post-doc program. I was about 2 months in and my diploma still had not arrived. I called my school and was told that I had to finish edits for the librarian on my dissertation and they would not send me my degree until she approved it. I was also told that if I didnt get it done, I needed to pay another semester of tuition. I literally made the edits the day she sent them to me. I had to stop my post-doc program until I got my degree. It took another 2 months. 

I share this with you because I worked while in grad school to keep my loans at a minimum. However, due to XXXX mistakes, I had XXXX extra years of tuition. Additionally, with having attended an XXXX  XXXX, there are many jobs for which I am not qualified because they require an XXXX XXXX- particularly federal jobs. 

Currently, I have been paying 15 years on my student loans, with little reduction. I can not work for a place that would offer loan forgiveness because I did not have an XXXX internship. 100 % of my student loans are from XXXX XXXX. The current balance is {$130000.00} in the form of XXXX federal loans. The original amounts were {$50000.00} & {$98000.00}, totaling {$140000.00}. My current loan payment is about 13 % of my income. 

It would be such a gift and relief to have my loans forgiven. It would help with the healing from the trauma of a subpar program for which I am still indebted even though they were able to file bankruptcy and start again. 

I work hard, often over XXXX hours a week. I am fortunate to have obtained my degree and licensure. However, I am still left with considerable debt for a program that failed me along with so many others. If you are able to push through and allow XXXX students loan forgiveness as the government has done for other defunct programs, it would definitely help XXXX of students who were taken advantage of. 
On XX/XX/XXXX the XXXX University borrowers sent the Department of Education XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by XXXX borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, Debt Collective, and XXXX XXXX students, faculty and staff collectively recommends the broad cancellation of all XXXXXXXX XXXX XXXX 
I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.

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