Consumer complaint received 2025-02-13 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: Nelnet, Inc.
State: CO

Complaint narrative:
iv been requesting all orignail forms and documnetation to my student loan i have a right to these documents I have asked several times in 5 years for these documents and I have yet to recieve them please send me all the documents numbered below numberedXX/XX/XXXXMaintenance of records. 
( a ) Each student loan servicer shall maintain complete records of each student education loan transaction, including recordings of communications with borrowers, for not less than two ( 2 ) years following the final payment on such student education loan or the assignment of such student education loan, whichever occurs first, or any longer period as may be required by any other provision of the general or public laws. 
( b ) If requested by the division of banking, each student loan servicer shall make all records available, not later than five ( 5 ) business days after requested. Upon request, the department may grant a student loan servicer additional time to make these records available.

History of Section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ch. 265, 1. 

When you take out a student loan, several documents are typically associated with the loan process. Here is a list of the common documents that come with a student loan : 1. **Promissory Note** : A legal contract between the borrower and the lender outlining the terms of the loan, including repayment conditions, interest rates, and default consequences.

2. **Loan Application** : The form you fill out to apply for the loan, which may include personal and financial information.

3. **Admission Acceptance Letter** : A document from your educational institution confirming your acceptance to the program, often required for loan processing.

4. **Financial Aid Offer Letter** : This outlines the types and amounts of financial aid you are eligible for, including grants, scholarships, and loans.

5. **Loan Disclosure Statement** : A document detailing the terms of the loan, including the interest rate, principal amount, fees, and repayment schedule.

6. **Student Aid Report ( SAR ) ** : A summary of your Free Application for Federal Student Aid ( FAFSA ) submission that includes your Expected Family Contribution ( EFC ) and eligibility for federal student aid.

7. **Exit Counseling Materials** : Information provided when you graduate, withdraw, or drop below half-time enrollment, detailing your repayment options and obligations.

8. **Repayment Plans** : Documents outlining various options for repaying your loans, including standard, graduated, and income-driven repayment plans.

9. **Loan Servicer Contact Information** : Information on who will manage your loan, including their contact details for future correspondence.

10. **Interest Rate and Fee Information** : Documentation stating the interest rates applicable to your loan and any potential fees ( e.g., origination fees ).

11. **Forbearance or Deferment Requests** : Forms that allow you to temporarily postpone payments under certain conditions if needed.

12. **Tax Documents** : Yearly tax statements regarding interest paid on federal student loans ( e.g., Form 1098-E ) helpful for tax deductions. 

ALL DOCUMENTS IN THEIR ORIGINAL FORM. I ALSO WANT THE SIGNATURE THEY HAVE ON FILE FOR THE NELENT PROMISSORY NOTE THEY SENT. I WAS IN LABOR AT THE TIME OF THE SIGNATURE, AND THERE IS NO WAY I SIGNED THAT PROMISSORY NOTE IN XXXX. I WANT THE ORIGINAL PROMISSORY NOTE

Company response to consumer: Closed with explanation