Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
I am a career XXXX XXXX XXXX for the past 28 years. I have XXXX  in XXXX XXXX XXXX XXXX, undeserved low socioeconomic  areas, my entire XXXX XXXX XXXX. I XXXX  for XXXX XXXX XXXX XXXX, for XXXX in LA, CA and now in a rural community called XXXX in XXXX. I originally took out my student loans in XXXX XXXX XXXXXXXX where I am from. I had many XXXX XXXX  and was given a XXXX XXXX in XXXX  XXXX to attend XXXX XXXX. After my XXXX I pursued a XXXX XXXX. From what I now understand XXXX XXXX XXXX  are XXXX percent forgiven for XXXX. All of my student loans were taken out in the mid XXXX and XXXX. I started college as an XXXX XXXX XXXX and I am not XXXX. These student loans were taken out in my youth as a college student. We did not have cell phones or computers then for me to be knowledgeable about my student loans and what was available to me as a XXXX  and public servant. In the XXXX and XXXX we were dependent on speaking to the loan services on the phone and we all know now that much disinformation was given to students regarding their loans during these times. I have researched my loans in the past and XXXX was the holder aka XXXX XXXX for many of my XXXX and XXXX  XXXX. I could never pay the student loan bill they would send me given I was a young new XXXX  in XXXX living and starting my career. I kept filing for deferment then forbearance. My interest with XXXX XXXX was over XXXX percent. Eventually the forbearances and deferments were exhausted and the Federal government solicited me to Consolidate my loans into a XXXX XXXX. I eventually fell into default on that direct loan. Please help and this is why ... .my original college education cost no more than XXXX especially given all the grants and XXXX XXXX I was given to go to college in my home state XXXX. I am now XXXX XXXX XXXX, close to retirement, have been a XXXX  XXXX  XXXX  since I was XXXX XXXX XXXX and my student loan debt is over XXXX My Education did not cost almost XXXX XXXX XXXX dollars at state and city colleges! This is gross negligence! Please contact me for my social security number and look it all up with my loan servicer. They have a record of all the loan holders and XXXX is On this list, as well as many other loan holders who now have been found in court to be liable for mispractice. 
Now my loans are with the federal government and they won't forgive my loans as a fulltime XXXX XXXX XXXX my entire working adult life. I deserve this outrageous XXXX loan to be wiped clean due to the extreme negligence of the misinformation I was told in my youth regarding my student loans and the high interest rate imposed on a teenager during those early days of my college education. XXXXXXXX XXXX pay starts low ... .and it's only over time does it increase however XXXX  have to have a great deal of education yet we are not paid what a private sector citizen is paid with our same education level. I need help in getting my student loans forgiven! Thank you! Please contact me for more information.

Company response to consumer: Closed with explanation