Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This is the complaint that I did to student aid and Nelnet Federal Student Loan complaint Dear XXXX, I am submitting this letter as a formal complaint and request for regulatory review regarding serious servicing failures by Nelnet in connection with my federal student loan consolidation and Income-Driven Repayment ( IDR ) application. 

After receiving an email from Federal Student Aid offering the opportunity to consolidate my student loans, I submitted a complete loan consolidation application and requested enrollment in an IDR plan on XX/XX/year>. I fully completed the process and submitted all required documentation as instructed by customer service. 

Nelnet, my assigned loan servicer, received my loans and my requests for consolidation and IDR repayment. Since XX/XX/year>, I have contacted Nelnet multiple times ( at least XXXX documented calls ) to confirm the status of my application. During each call, Nelnet representatives assured me that : - My consolidation and IDR request were being processed ; - I would be receiving a new, lower monthly payment ; and - The matter would be resolved after review by a supervisor. 

Despite these assurances, representatives repeatedly stated that they were unable to confirm prior communications because call notes were not attached to my account, requiring escalation to a supervisor and instructing me to wait a few days for resolution. This cycle repeated with no follow-up, no written confirmation, and no corrective action taken. At no time was I notified that my application was incomplete or denied, nor was I provided an opportunity to correct any alleged issue. 

In my initial calls in XX/XX/year>, I was informed that my expected payment would be significantly lower than my current obligation. However, due solely to Nelnets failure to timely process my consolidation and IDR request, my loans continued accruing interest. As a direct result of these delays, my balance has increased by approximately {$1800.00} in additional interest, causing substantial financial harm. 

I have now been notified that my required monthly payment is {$700.00}, an amount I never agreed to and that directly contradicts the repeated representations made by Nelnet over several months. This payment demand was issued without written explanation, without completion of my IDR request, and without transparency, placing me at immediate risk of delinquency or default through no fault of my own. 

I am unable to afford this payment and dispute its validity. I am willing and able to make a monthly payment under {$350.00} under a properly processed IDR plan, which is consistent with my financial circumstances and the stated purpose of federal income-driven repayment programs. 

I respectfully request : XXXX. Immediate review and correction of my loan servicing record ; XXXX. Written confirmation of the status of my consolidation and IDR application ; XXXX. Removal or adjustment of improperly accrued interest resulting from servicing delays ; and XXXX. Prompt enrollment in an affordable IDR plan to prevent further harm. 

Nelnets repeated misrepresentations, failure to maintain accurate records, and prolonged inaction constitute unacceptable servicing practices and warrant regulatory review.

Company response to consumer: Closed with explanation