Consumer complaint received 2026-03-10 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:
Subject : Follow-Up Regarding IDR Account Adjustment, SAVE Plan Status, and Forgiveness Eligibility Complaint ID : XXXX : XXXX XXXX XXXX Servicer XXXX MOHELA XXXX : XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this follow-up statement regarding my ongoing complaint and the response I received from Federal Student Aid dated XX/XX/XXXX concerning my eligibility for the one-time XXXX XXXX XXXX XXXX ) account adjustment and potential forgiveness. The Federal Student Aid letter confirms that I submitted a Direct Consolidation application prior to XX/XX/XXXX and that the consolidation loan was disbursed prior to XX/XX/XXXX. These dates place my loans within the eligibility parameters for the XXXX XXXX XXXX one-time XXXX account adjustment and forgiveness review. The letter also states that : Records indicate on XX/XX/XXXX, MOHELA received your request for the XXXX plan. The XXXX plan and the lowest monthly payment are no longer available. However, recent federal court developments call this statement into question. On XX/XX/XXXX, a federal district court declined to approve a proposed settlement that would have eliminated the Saving on a XXXX XXXX ( XXXX ) plan ahead of schedule. As reported in national coverage of the ruling, the court decision means that the effort to terminate the XXXX plan early is currently moot and that the Department of Education must evaluate next steps regarding implementation of relief provisions. Public reporting following the decision has indicated that lawmakers and borrower advocates are urging the XXXX XXXX XXXX to resume processing student-loan relief for borrowers who are eligible under income-driven repayment programs. Reports note that the courts decision effectively restores the possibility that borrowers may again receive debt relief and forgiveness determinations tied to XXXX programs. Given these developments, the recommendation in the XX/XX/XXXX correspondence that I submit a new XXXX application raises significant concerns. Submitting a new XXXX application could potentially interfere with or delay my eligibility review under the XXXX XXXX XXXXXXXX one-time XXXX account adjustment process, particularly given that my consolidation occurred within the qualifying time frame for the adjustment. My request in this complaint remains focused on clarification and proper application of federal policy regarding the XXXX account adjustment and forgiveness eligibility. Specifically, I respectfully request the following : XXXX. Confirmation that my loan account has been fully reviewed under the XXXX XXXX XXXX XXXX-time XXXX account adjustment. XXXX. Disclosure of my current qualifying payment count toward XXXX forgiveness following application of the adjustment. XXXX. Confirmation as to whether my account has been placed into XXXX forgiveness eligibility review. XXXX. Clarification that my XX/XX/XXXX XXXX plan request does not negatively impact or reset my XXXX forgiveness eligibility or qualifying payment count. XXXX. Confirmation that all eligible repayment, deferment, and forbearance periods have been properly credited toward IDR forgiveness in accordance with XXXX XXXX XXXX guidance on the XXXX account adjustment. Because this issue involves federal student-loan servicing and compliance with XXXX XXXX XXXX policy , I respectfully request that this matter be reviewed by XXXX regulatory compliance or executive response unit and by the XXXX XXXX XXXX XXXX account adjustment review team. This complaint is not a request for a new repayment plan. Rather, it is a request for confirmation that the federally mandated XXXX account adjustment and forgiveness eligibility review have been properly applied to my account. Given the recent court developments and ongoing public statements encouraging the XXXX XXXX XXXX to resume debt-relief processing for eligible borrowers. Because you consolidated before XX/XX/XXXX, your account falls into the highest-priority group for the XXXX account adjustment. Many borrowers in that group are being quietly moved into forgiveness review during XXXX as the XXXX XXXX XXXX finishes the backlog. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response