Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have reached XXXX payments for total loan forgiveness. I have reached out to loan servicer, Nelnet. Nelnet says call Dept of Education and then I get redirected to Student Aid. No one will take accountability for this. Loans were transferred to Nelnet in XXXX therefore the company thinks I have only paid since then. I have been repaying since XXXX. I have proof. Also, I now am applying for permanent and total discharge due to profound XXXX XXXX [ { " awardId '' : '' XXXX '', '' nsldsLabel '' : '' XXXX '', '' loanTypeCode '' : '' XXXX '', '' currentLoanHolderCode '' XXXX, '' payments '' : null, '' paymentCounters '' : [ { " type '' : '' ICR XXXX', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : '' Y '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' IBR '', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : '' Y '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' XXXX '', '' borrowerEligibleIndicator '' : '' N '', '' loanEligibleIndicator '' : '' N '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' SAVE '', '' borrowerEligibleIndicator '' : '' U '', '' loanEligibleIndicator '' : '' U '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' : null, '' forgivenessRemainingPayments '' : null }, { " type '' : '' PAYE '', '' borrowerEligibleIndicator '' : '' N '', '' loanEligibleIndicator '' : '' N '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' PSLF '', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : '' Y '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' XXXX, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' TEPSLF '', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : '' Y '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' XXXX, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX } ], '' earliestEstimatedForgivenessDate '' : '' XXXX '', '' updateDateTime '' : '' XXXX '', '' startDateTime '' : '' XXXX '', '' outstandingPrincipalBalance '' XXXX, '' outstandingInterestBalance '' XXXX, '' saveDiscretionaryIncomePercentage '' : null, '' saveSixtyMonthIndicator '' : null }, { " awardId '' : '' XXXX '', '' nsldsLabel '' : '' XXXX '', '' loanTypeCode '' : '' XXXX '', '' currentLoanHolderCode '' XXXX, '' payments '' : null, '' paymentCounters '' : [ { " type '' : '' ICR '', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : '' Y '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' IBR '', '' borrowerEligibleIndicator '' : '' XXXX '', '' loanEligibleIndicator '' : '' Y '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' XXXX '', '' borrowerEligibleIndicator '' : '' XXXX '', '' loanEligibleIndicator '' : '' XXXX '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' SAVE '', '' borrowerEligibleIndicator '' : '' XXXX '', '' loanEligibleIndicator '' : '' XXXX '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' : null, '' forgivenessRemainingPayments '' : null }, { " type '' : '' PAYE '', '' borrowerEligibleIndicator '' : '' XXXX '', '' loanEligibleIndicator '' : '' XXXX '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' : null, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' PSLF '', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : 'XXXX XXXX '', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' XXXX, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX }, { " type '' : '' TEPSLF '', '' borrowerEligibleIndicator '' : '' Y '', '' loanEligibleIndicator '' : '' XXXX XXXX', '' qualifyingPaymentCount '' XXXX, '' eligiblePaymentCount '' XXXX, '' forgivenessRequiredPayments '' XXXX, '' forgivenessRemainingPayments '' XXXX } ], '' earliestEstimatedForgivenessDate '' : '' XXXX '', '' updateDateTime '' : '' XXXX '', '' startDateTime '' : '' XXXX '', '' outstandingPrincipalBalance '' XXXX, '' outstandingInterestBalance '' XXXX, '' saveDiscretionaryIncomePercentage '' : null,

Company response to consumer: Closed with explanation