Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
XXXX SUBJECT : Feedback Case XXXX XXXXXXXX Formal Request for Immediate Correction of In-School Deferment Status and Reclassification to Repayment Status Due to Inaccurate Enrollment Data Dear XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX am submitting this formal request for immediate correction of my federal student loan status, which is currently being reported as in-school deferment and/or in-school status through XX/XX/year>. This classification is factually incorrect and not supported by my current enrollment status, and it is directly preventing proper Income-Driven Repayment ( IDR ) processing, repayment plan eligibility determination, and IDR payment count evaluation. XXXX. FACTUAL ENROLLMENT STATUS My current enrollment status is as follows : I am not enrolled at least half-time in any qualifying academic program. My current academic enrollment is below the federal threshold required for in-school deferment eligibility. Therefore, I do not meet the statutory or regulatory requirements for continued in-school deferment or in-school status. XXXX. IDENTIFIED SERVICING ERROR Despite my actual enrollment status, my federal loan records currently reflect : In-school deferment status through XX/XX/year> In-school status applied to multiple loan sequences This classification appears to be based on outdated or incorrect enrollment data reporting and is not consistent with current federal loan servicing requirements. XXXX. IMPACT OF INCORRECT STATUS This erroneous classification is materially harming my account by : Preventing processing of Income-Driven Repayment ( XXXX ) applications Blocking repayment plan eligibility determinations Interrupting accurate XXXX payment count and forgiveness tracking Maintaining my loans in a non-repayment status despite ineligibility for deferment XXXX. REQUESTED CORRECTION ACTIONS I respectfully request the following immediate corrective actions : A. Status Reclassification Immediate removal of all in-school deferment and in-school status designations XXXX. Account Correction Reclassification of all affected loans to repayment status effective immediately or retroactive to the date in-school eligibility ceased XXXX System Synchronization Review Audit of enrollment data sources used to assign in-school deferment status Correction of any erroneous institutional or third-party enrollment feeds XXXX XXXX Processing Restoration Restoration of eligibility for Income-Driven Repayment processing upon correction of status Re-evaluation of any previously blocked or denied XXXX applications due to incorrect status coding XXXX. REGULATORY BASIS Under federal loan servicing requirements, in-school deferment status applies only when a borrower is enrolled at least half-time as defined by the institution and federal regulations governing Title XXXX aid programs. Continued application of in-school status in the absence of qualifying enrollment is inconsistent with federal servicing standards under : XXXX C.F.R. XXXX ( Deferment eligibility requirements ) XXXX C.F.R. XXXX ( In-school deferment conditions and verification requirements ) XXXX. GOOD FAITH REQUEST This request is submitted in good faith to correct a servicing classification error that is materially affecting repayment rights and federal repayment program access. I respectfully request expedited review and correction, as this status error is currently preventing proper IDR processing and repayment classification. XXXX. CLOSING Please confirm in writing : Correction of in-school deferment status Updated repayment classification Restoration of IDR processing eligibility Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response