Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
On the XXXX website it states that I was awarded {$120000.00}. That I owe {$64000.00}. That there are 20 Loans 7 service providers. When I go to the link for the breakdown the first loan is from XXXX XXXX XXXX XXXX. I go look at the loan history. I double check my transcripts so yes I was attending school from Fall of XXXX to Fall of XXXX. My grace period started XX/XX/XXXX. I default by XX/XX/XXXX. I go to repayment on XX/XX/XXXX. That is when I was with XXXX XXXX and was making {$5.00} payment but then I lost my job and then XXXX happen. I was in default from XXXX. XXXX  from XXXX. Because I went to In Repayment XX/XX/XXXX????? I would like to know what happen. Because I was put back in Forbearance XX/XX/XXXX and consolidation XX/XX/XXXX. When I called to see what steps I had to take to be able to go to school again to finish my degree I was not given clear advice. I would like to know why there are so many changes to my account and this is just the first loan. What happen? I am a first generation college student. I am a single mom. I reached out to financial aid and I signed papers and tried to complete my courses but I was not successful. I have not given up. But now I am in debt when I look at my NSLDS it states Undergraduate Aggregate Subsidized Total {$14000.00} and for Unsubsidized {$17000.00} for a total {$31000.00}. XXXX for graduate because I am not a graduate level. I would like the details for this loan and explanations as to what was happening in XX/XX/XXXX XXXX. I was not informed of how this all works, I filled out the forms online and waited for a response. I just wanted to go back to school to prove to myself that I am smart enough. I suffer from XXXX, I have had XXXX and trauma my entire life and this is very stressful to try to navigate. I have called the XXXX, my school, my loan service provider, been on hold for hours. Now I have had to sign a reaffirmation letter to continue with my education or I will not receive financial aid. They said that I have lost eligibility for federal student financial aid because I inadvertently received a XXXX XXXX that caused me to exceed the annual or aggregate loan limit. It states that Inadvertent overborrowing is the exceeding of an annual or aggregate loan limit without any evidence that you exceeded the limit as a result of deliberate action ( say What? ) on your part or on the part of the school that determined your eligibility for the loan. I disagree strongly. I filled out the paper work I called to find out what steps to take if any to rectify my situation. The school probably checked the data base and saw the same numbers I am seeing for the Undergraduate Aggregate amounts for the loans which are not over the limit. I have had issues that no one seems to be equipped with answering for me. No one told me that consolidation would increase my debt by double the amount. Why did I have to consolidate if I was in forbearance already? Why didn't someone explain the pros and cons of taking a loan like I am facing today? I am in school but the service provider says not to fill out the paper work to say I am in school because of interest and that I will lose my place in the XXXX or XXXX  that is on hold for the legislative process. I applied for all the ones I thought I would benefit from. I need help figuring out what has happen. It just doesn't make sense that I was awarded {$120000.00}, That I overborrowed or that I owe more than half from consolidating my loans.

Company response to consumer: Closed with explanation