Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for years. I had colleagues whose loans were being forgiven after they hit 5 consecutive years. So, I reached out to XXXX ( my XXXX student loan provider ) to inquire about the ( up to {$17000.00} ) of XXXX Loan Forgiveness during the XXXX, XXXX, and the XXXX school years. 

* I reached out to XXXX in the Spring of the XXXX school year, because I knew that I would be moving to a new campus in the fall. I wanted to know if I needed my current principal to sign anything to prove that I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told that I did not have enough years to apply for XXXX Loan Forgiveness and that there was nothing for me to do. 

* I reached out to XXXX at the start of the Fall of XXXX to see if there was anything that I needed my new principal to fill out or sign, and I was told that I did not have enough year to qualify for XXXX  Loan Forgiveness and that there was nothing for me to do. 

* I reached in XXXX of the XXXX school year to inquire about XXXX Loan Forgiveness, but I was told again that I did not have enough years to qualify for XXXX Loan Forgiveness, but If you will examine my XXXX XXXX Service record XXXX you will see that I actually qualified to receive XXXX Student Loan Forgiveness at the end of XXXX ( beginning of XXXX ) during the XXXX school year. 

* I reached out to XXXX at the end of XXXX school year to inquire about XXXX Loan Forgiveness, but I was told that I did not have enough years to qualify for XXXX Loan Forgiveness, because I had switched schools. 

* At the urging of my father, I reached out to XXXX during the XXXX school year, because one of my cousins had received XXXX Loan Forgiveness. I wanted to apply for XXXX school, but I didn't want to start XXXX school while still carrying my XXXX student loan debt. At that time, I was told that I had to make a choice, and that if I accepted the XXXX Loan Forgiveness that I would NOT later be able to later qualify for Public Student Loan Forgiveness. I was told that it was a binary choice, if I elected to receive XXXXXXXX that I would NOT be eligible to apply or qualify for PSLF later. Given that a XXXX education is more expensive than an XXXX education, I did NOT pursue XXXXXXXX 

* At the end of the XXXX academic year, I reached XXXX to inquire about XXXX, but again I was told that I had to make a choice and that over a lifetime I could only qualify for one program. So, I delayed applying to XXXX  school and continued paying off my XXXX student loans, as I hoped to start XXXX school in the fall of XXXX  and didn't want to lose the option to pursue PSLF for the debt I was likely to incur as a XXXX student. 

Fundamentally, XXXX misrepresented the facts. I have spoken with friends who had that exact same experience with XXXX that I did. My friend received the same false information that I did, which was that over a lifespan you could only choose one program : XXXX Loan Forgiveness or Public Service Loan Forgiveness, and if you intended to go to XXXX school that Public Student Loan Forgiveness was the better option. 

My allegation is that XXXX engaged in fraud- and that XXXX deliberately misrepresented the facts. My debts to XXXX should have been discharged in XXXX of the XXXX school year. Instead I made 10-years of consecutive payments to XXXX before my loans were considered Paid In Full. Therefore, I am requesting that my claim and others like it are fully investigated - and that I receive a full refund for all payments made after XXXX of the XXXX, and/or that I receive a full refund of all the payments, which I made in good faith to XXXX XXXX over a ten-year period , because acted XXXX was acting in bad faith.

Company response to consumer: Closed with explanation