Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WY

Complaint narrative:
According to the last communication I received from XXXX after applying for the SAVE consolidation and new payment plans, communication I did receive noted that I have taken out about {XXXX XXXX XXXX XXXX XXXX XXXX  subsequently, have repaid {XXXX XXXX and still owe XXXX XXXX on student loands. I am aware that the SAVE plan was disabled by the courts, and that Republicans plan to repeal PSLF by recess. This is a complex issue that in my view involves predatory student loans, predatory higher education, and predatory landlords and employers. 

The inception of my student loan debt began in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although I had excellent grades and scored in the top 1XXXX XXXX XXXX XXXX because when I chose to go to college after high school, scholarship funds for non traditional students pale in comparison to graduating high school seniors. Student loan debt we were counseled was good debt. When because I was technologically savvy loved ones and career advisors counseled me to go into XXXX, and I found out XXXX had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I enrolled. 

Although I don't have any of the printed brochures to document the same any longer, I was told ( and my mother would attest as I appealed to get independent student status at XXXX when I completed a FAFSA, and she attended two meetings with me with an program advisor and financial aid administrator ) that the program had a 90 % success rate with 90 % of graduates finding employment with XXXX XXXX corporations. Of course they didn't allow me into XXXX XXXX classes and required me to get a course of general education credits before I was able to get into my first XXXX XXXX XXXX XXXX XXXX XXXX, from which the initial XXXX XXXX of my student loan debt was incurred. 

In truth, 70 % of the students in my cohort dropped out of the program and were unsuccessful because its instructors were from XXXX, hardly spoke XXXX, and their accents were so thick that we could barely understand them. When we asked for clarification or for them to repeat information, they screamed at us. Thus, 70 % of us dropped, self included. They had misrepresented the program to us, and predatorily preyed upon us to get our student loan, grant, and private loan dollars ( I took no private loans ). 

I decided to pursue then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as I was getting wiser about the cost of higher education, but despite my asking and inquiring and being assured that all of my credits would transfer from XXXX XXXX XXXX XXXX XXXX XXXX  I wasted roughly a year of my life as after I transferred to XXXX, about half of those credits did not transfer and I had to retake the classes, requiring more debt as a non traditional student. However, to their credit, and because of state income tax in Nebraska, XXXX XXXX XXXX XXXX XXXX  did have more scholarship money for exceptional non-traditional students such as myself which I was encouraged to apply for by my professors, which I did, and I was awarded a full-ride ( no living stipend ) to XXXX. During this time, my then partner and then wife and I conceived inconveniently, and with an infant at home after XXXX, could not afford to make our ends meet at the wages we were making and moved in with her parents. It was not a savory environment in which to raise a child XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And so while I could not turn down a full ride that had been awarded wisely, and we looked at ways to try to make our ends meet ( we were too proud to apply for public assistance ), my then wife and I decided our best move was to move to my hometown of XXXXXXXX XXXX where I had familial support for raising our infant. 

I spoke to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and they assured me that while I could complete all but the last year of my education in XXXX accurately, they deceived us in response to my questions about whether there would be adequate course selection and availability for me to get a full time schedule together. Of course before moving home to XXXXXXXX XXXX to continue my education through XXXX XXXX and the XXXX XXXX XXXX, I applied for and was admitted to the XXXX XXXX XXXX Upon being admitted, I spoke to the XXXX XXXX XXXX  and my initial conversation by phone with the admissions counselor with whom I conversed to gain admission, and faxed them a copy of my full ride scholarship award letter ( which I still do have, even if I do not have documentation of my having faxed it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from the XXXX XXXX XXXX at XXXX, asking if they would match the scholarship. The admissions counselor promised me that they would match my full-ride scholarship if I earned straight As ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After I did earn straight As, I contacted the admissions office and then spoke to XXXX XXXX who was then the head of the XXXX XXXX XXXX XXXX XXXX, and after investigation she apologized but told me that the admissions counselor had misled me and awarded resident instead of non-resident tuition and that was the best that they could do. I should have consulted an attorney, and I'm currently investigating the same here. 

After a single year at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I found that I struggled to hobble together even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX required for a XXXX XXXX XXXX, thus necessitating a move to XXXX XXXX to complete my education. The entire reason we moved home was to have familial support in XXXXXXXX XXXX where my family lived, but now we found that we'd have to move to XXXXXXXX XXXX, where we had no familial support which vastly contributed to the failure of my marriage and ultimately in XXXX would leave me a XXXX XXXX XXXX XXXX. 

The waiting list for married student housing was two years long, so the only way that we could practically continue our XXXX XXXX was by living off-campus. The employers and landlords in XXXXXXXX XXXX  in my view similarly exploit the XXXX XXXX XXXX XXXX population through low wages and high rents. The only way we could make our ends meet, even with public assistance in the form of foodstamps, Title XIX Medicaid, and childcare assistance, was through student loans and using debt as income to pay for our living expenses. Thus, the remainder of my student loan debt balance were the result of two predatory higher education institutions and perverse incentives that existed for admissions counselors and program representatives ( I later discovered the same was due to quota systems and commissions paid ) to profiteer from higher education, and similar federal predatory student loans. 

On this basis, I submitted two Borrower 's Defense Program applicaitons in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are still just showing " pending. '' I also did register for and was accepted for, and have been credited under XXXX XXXX for six years of on-time payments, and was chagrined first to apply for consolidation and then enrollment in the new SAVE Plans to see that the courts have halted the same, and have requested information about what to do. I'm more chagrined to see the Republican plan is to repeal PSLF using recess legislation, but was happy today to see that Biden has moved to forgive PSLF loans, and I pray that my loans, given my Borrower 's Defense complaints, are among those being forgiven. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but due to the bias in the court system against fathers, and despite her then interest in terminating her parenting rights, and admission, even in her divorce complaint that I should be awarded primary custody, she knew the odds were stacked against me and the price I had to pay for her was to accept the largess of the student loan debt we'd taken out under my name to pay for those living expenses. What would have been fair would have been for us to have deducted each of our fees and tuition from our loan totals, and split it down the middle but because XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and working part time, and she, the opposite, I qualified for more in loans than she did, and so while we both maxxed out our loans the majority of the debt that we incurred in XXXXXXXX XXXX, was under my name. But to get my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the price I paid was to accept all of the debt that resulted. 

Thus, I'm hoping by filing this complaint given my multiple attempts over the last three years, and the change in administrations, and plans of Republicans ot repeal PSLF and Borrower 's Defense not by act of Congress through normal processes but by recess legislation, that you could assist me in getting my Borrower 's Defense applications XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prioritized or escalated before XX/XX/XXXX. Further, I would humbly request if there is anything that can be done legally to preserve my claims given the change in administration and promised actions by Republicans or ensure they can be grandfathered, I've been reading in forums that if they haven't investigated within 3 years, that loans are automatically discharged to somehow extend their investigation to XXXX XXXX XXXX so that they are. 
Can you help in prioritizing or escalating my Borrower 's Defense complaints to FedAid Borrower 's Defense administrators and/or Sec of Education Sec XXXX XXXX XXXX XXXX to possibly getting my loans forgiven or at least a portion of them forgiven given the court halt of the SAVE plan under the recent orders for PSLF forgiveness under President Biden, and include my loans in that action?

My current student loans were in the process of being consolidated first from XXXX XXXX XXXX then to Mohela and then back to FedStudent Aid for consolidation under the SAVE plan halted by the courts. Further, I had previously had my loans consolidated at 3 % and in applying for the save plan, they were consolidated at higher interest rates ( the SAVE direct unsubsidized consolidation loan for {$68000.00} was consolidated at 4.25 % fixed, and the saved direct subsidized consolidation loan for {$25000.00} also at 4.25 % ), so if nothing can be done that way, is there a way that the interest rates can be dropped to the prior rate they were at given the courts ' actions on SAVE Plan consolidation, and can you assist in that worst case scenario? 

According to XXXX, I have 106 payments towards 120 payments for PSLF for all loans. 

I tried logging into Mohela but my username and password it says are not recognized by the system, so while Fedaid.gov shows them, somehow my account at Mohela is gone that Fedaid says is at Mohela, so I don't know how to get loan numbers and information to try to escalate this ASAP so that we can get something done about this. 

I will eagerly await your reply. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation