Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX ( XXXX ) forms and payment counts have been stuck In Progress for several years, and neither the Department of Education nor my servicers ( XXXX previously, and now Edfinancial ) have completed my XXXX reviews or corrected my qualifying payment count. I have certified qualifying employment for all relevant periods, submitted multiple XXXX forms, and submitted multiple requests for review, yet my XXXX status has remained unresolved for years. My XXXX payment count has not been updated despite my long history of qualifying employment and repayment. My XXXX Employment History ( All Certified ) XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( qualifying employer ) : XX/XX/XXXX present ( fulltime ) I have worked fulltime for qualifying public service employers for the periods listed above. XXXX XXXX XXXX XXXX is a qualifying employer, and I am currently employed fulltime. I have been on a qualifying repayment plan ( XXXX ) since it became available. My XXXX Forms Have Been Stuck In Progress for Years My account shows numerous XXXX forms that were opened but never processed. These forms span multiple years and multiple employers. They remain marked In Progress with no resolution : XXXX XXXX XXXXXXXX XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX XXXX, XXXX. XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX XXXX Form In Progress, Last Updated XX/XX/XXXX These repeated In Progress statuses show that my XXXX forms were received but never reviewed or completed. My XXXX Forgiveness Reviews Are Also Stuck In Progress My account also shows multiple XXXX forgiveness reviews that were opened but never completed : XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX XXXX Review In Progress, Last Updated XX/XX/XXXX These reviews span several years and have never been completed. My Loans Were Transferred Away From XXXX Before My XXXX Review Was Completed My loans were previously serviced by XXXX, the designated XXXX servicer. However, they were transferred to Edfinancial before my XXXX review was completed. This transfer caused my XXXX case to become inactive, and no servicer has completed my XXXX review or updated my qualifying payment count since then. My XXXX Count Has Stalled at XXXX Qualified Payments My XXXX qualifying payment count has been stalled at 108 payments for an extended period. Due to missing counts, unprocessed XXXX forms, and the possibility of payment buyback opportunities, I may have already been eligible for XXXX discharge or extremely close to eligibility. Because my XXXX forms and reviews have never been processed, these months have not been acknowledged or updated, and I have been unable to determine my true qualifying count. Because my XXXX forms and reviews have never been processed, these months have not been acknowledged or updated.

Company response to consumer: Closed with explanation