Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: MN

Complaint narrative:
XXXXNelnet, my student loan provider, has continued to get away with breaking the federal law that relates to student loan borrowers with disabilities. Living in a state that\'s already currently under investigation for billions of dollars in XXXX fraud (XXXX), it\'s already difficult and impossible for me to have to defend my civil rights from Nelnet when every single day of my life I have to defend my civil rights 1 million + ways from predatory corrupt neurotypical individuals who are deliberately trying to financially exploit neurodivergent vulnerable adults, while I already have multiple disabilities that have long been documented and which make it extremely difficult to balance multiple tasks simultaneously. \n\nAs I\'m still currently enrolled in a 4-credit college course, trying to finish my college degree, neurotypical college students don\'t end up getting illegally evicted from 5 different apartments simply for doing their assigned college homework. I\'ve been evicted from 5 different apartment programs in my state that exclusively only house neurodivergent residents who at a bare minimum at least receive state XXXX, oftentimes Social Security and XXXX as well. Residents are then forced to have multiple mental healthcare meetings each week with numerous service providers, meetings that are specifically designed to waste their time and not work to improve their disabling conditions. By ensuring that every spare second of our time is bombarded with pointless meetings that do absolutely nothing to improve our disabling conditions, residents continue to stay in the same disability housing setting (termed ICS, or Integrated Community Supports, a statewide housing program for disabled citizens in the state of XXXX who receive XXXX from the state; just last week during XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXestimony in front of Congress, ICS was verbally cited as being one of the many programs riddled with fraudulent XXXX practices). \n\nWhen residents remain in the same ICS housing settings for years on end, forced to go absolutely nowhere with their life, this allows all kinds of corrupt service providers to continue a long pattern of years and years of fraudulent XXXX billing. When residents such as myself attempt to engage in activities that would see them graduate and leave from these type of ICS settings within a small handful of years, (e.g. trying to earn a college education), such residents are punished illegally with eviction, which subsequently allows the service provider to house a different neurodivergent Medicaid recipient, perhaps one who has no qualms with receiving the same corrupt services for decades on end so as to ensure the XXXX fraud continues long term. I can\'t succeed at college when I have 6-7+ assigned corrupt service providers all repeatedly harassing me for 10+ hours of meetings each and every week (totaling to more than 60-70+ hours of meetings every week, with each of these service providers actively engaged in committing XXXX fraud).\n\nMedicaid fraud isn\'t only committed in cases where XXXX has been billed without any services having actually been rendered to the disabled client; in cases where services have been received, but the stated and documented goals and outcomes of those services are completely ignored in favor of creating a scenario that ensures the disabled recipient remains a sitting duck for decades on end so as not to disrupt Medicaid billing, such behavior should be considered fraudulent XXXX billing practices as well.\n\nAside from being retaliated against for doing my college homework, I\'ve also had to put up with a state ICS program run by sexual predators, as both the ICS group homes and supportive apartment settings are commonly staffed by previously registered and convicted sex offenders who go frequently go unpunished for commonplace abuses such as the forceful rape and impregnation of neurodiverse residents, ICS staff who come to work and physically choke neurodiverse residents while said ICS staff member is high on illegal drugs such as cocaine. While receiving Social Security Disability Insurance (SSDI) from 2011-2024, I\'ve had numerous corrupt, large-size employers who have deliberately gotten away with interfering with my ability to attend my scheduled college courses, college courses that were being paid with student loan money. I highly doubt neurotypical college students have had to endure threats of "I\'ll shoot you dead with a gun if you punch out and leave at the end of your shift" from management while working at a Potbelly Sandwich Shop, simply because they\'re trying to punch out at the end of their scheduled work shift so that they can get to their classes at their local community college on time. Time and again I\'ve come across corrupt employers who have deliberately tried to interfere with my ability to make it to my scheduled college classes in a timely manner, while also simultaneously getting away with repeat serious violations of the Americans with Disabilities Act, under which I\'ve been covered (and continued to be covered this entire time). Guns being physically held to my head by neurotypical gang members who were allowed to erroneously infiltrate my first ICS apartment, having upwards of 6-7+ corrupt social workers who each engage in repeat, unreasonable harassment tactics whenever I\'m unable to immediately answer their phone calls: assigned job coaches who work exclusively with neurodivergent individuals and who are paid exclusively via their neurodivergent client\'s XXXX package, leaving a total of two voicemails, one text message to my phone, one email sent to me directly, and yet a separate email sent to another one of my service providers (thus attempting to complain and have a third party service provider step in and join the barrage of repeat harassment), all within a time span of less than 24 hours. Even when I\'m on punched-in, on the clock in the middle of a shift at work, working a part-time job as a part of XXXX designated Ticket to Work program for Medicaid recipients, with managers complaining about how I could get potentially be fired for using my phone while on the clock at work.\n\nI\'ve had to deal with all of the above aforementioned civil rights abuses and much, much more, to the point where there isn\'t adequate space and time to list all of the myriad examples of civil rights abuses I end up having to endure on any given day of any week. And then I have Nelnet deliberately choosing to waste and abuse my time, while also adding to the list of neurotypical predators trying to exploit neurodivergent vulnerable adults (as I\'ve officially been considered a vulnerable adult by the state of XXXX since XXXX, and continuing). From XXXX, I\'d sent Nelnet numerous benefit verification letters which I\'d directly downloaded from XXXX. These letters not only feature official stationery letterheads from the Social Security Administration, but also detailed the exact amounts monthly SSDI benefits I\'d been receiving at the time, as well as the most recent date (the exact day that download of the verification letter had occurred). Not once in that time period did Nelnet keep such documentation on file. Not once from XXXX did Nelent bother to inquire as to whether or not I was still receiving SSDI, XXXX and XXXX on an annual basis. The only documentation that Nelnet ever bothered to provide me with, outside of verification from Nelnet that payment of my student loans either been placed into in-school forbearance, or during the numerous instances in which Id been academically suspended as a result of the numerous unfair civil rights violations Im forced to endure repeatedly (e.g. I cant earn good grades when Im suddenly evicted from my apartment and made to be homeless in the middle of an academic semester, simply for trying to do my assigned college homework) Nelnet would send official notices/documentation that my account had been placed on some sort of temporary pause of payments.\n\nEither way, Nelnets behavior repeatedly worked to deliberately ensure that most amount of capital interest could be applied on the student loans that I owe. When I would inquire about student loan dismissal for long-term neurodivergent borrowers receiving government assistance such as SSDI, XXXX and XXXX for long-term, extended periods (such as myself), Nelnet would repeatedly and deliberately tell me lies and provide me with inaccurate information about the loan dismissal program. Today, Nelnet is repeatedly continuing to violate my civil rights and harass me for XXXX per month in student loan payments that clearly are well-aware that I cant afford. All of these disability government programs SSDI, XXXX and XXXX have set gross monthly income limits that recipients are allowed to earn. Thanks to Nelnets repeated lies and harassment tactics, Ive officially been illegally kicked off SSDI, forced to participate in an education program that has my current employer, Starbucks, pay 100% of my tuition provided that I work a minimum of 22 hours per week on average. \nThanks to Nelnets repeated lies over the years concerning disability dismissal of my student loans (as well as their repeat harassment whenever Im not enrolled in college courses for at least 6 credits, most likely due to a combination of civil rights violations/unfair time bombardment/eviction as a result of attempting to do my college homework), Ive been forced to participate in the education program XXXX has to offer. I have no undergraduate funding left available to me when it comes to student loans. Although I frequently experience numerous weeks on end where I only receive as little as 10 hours of sleep per week, as a direct result of a combination of my having to put up with an unfair combination of weekly-assigned college homework/numerous civil rights infractions/unfair time bombardment/repeat homelessness. Ive had to work harder than any neurotypical college student who in this country who has had the fortune of having their civil rights protected, yet I have no college degree to show for all of my ridiculously insane degree of responsibility and effort put forth. One might easily see how XXXX in student loan undergraduate funding rapidly gets used up when civil rights issues that directly impact the usefulness of such funds arent being protected (e.g. Im being threatened with gun violence from my employer because Im trying to leave at the end of my scheduled work shift so that I can attend my college courses on-campus; being evicted from my apartment for doing my assigned college homework). \nWhile having to work a total of 22 hours per week in order to maintain my scholarship from XXXX, the state of XXXX, already as corrupt as it is when it comes to disability services rendered within the state, has continued to mandate small incremental involuntary pay raises for the position that I hold at XXXX (XXXX). These pay raises were received regardless of the fact that in the five years that Ive been employed with XXXX, neither my job title nor my responsibilities have increased. Furthermore, every single day which Im scheduled to work, my disabilities cause myriad problems just in terms of my ability to even be able to perform all of the normal duties and tasks generally assigned to the role of XXXX at XXXX. I cant make drinks due to an unfair combination of the extremely fast-paced working environment which places extreme amounts of strain on documented disabilities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As is commonplace among individuals diagnosed with XXXX, my short-term memory is completely shot. Because my long-term memory is extremely acute (to the point where Ive had to remind my own mother of incidents that occurred at the young age of XXXX XXXX XXXX, down to the specific smells, colors of and textures of various objects, etc., [while neurotypicals habitually struggle to recall even a generic outline of events that occurred before they were aged XXXX XXXX XXXX, let alone myriad details such as remembering specific colors, textures, smells, etc.]), which is considered a commonplace trait of XXXX, my short-term memory is extremely inadequate and lacking as a result. \n\nWhile Ive been trying to earn a degree heavily focused on developing AI systems and working with AI Agents (work that would fall more in-line/be far easier for an individual who possesses extreme acute long-term memory), working as a XXXX at XXXX means that I frequently forget long lists of verbal drink modifications or instructions that might be spouted off to me by customers after theyve already placed their orders. Short-term memory (or working memory, as its officially called), directly governs ones ability to both interpret and successfully recall verbal instructions. Pair this with the fact that having an extremely fast-paced working environment that places emphasis on ones ability to multi-task is an extremely difficult and disastrous environment for anyone formally diagnosed with XXXX, let alone just XXXX, and one might begin to understand why its difficult for me to work the type of jobs Im eligible to apply for without having received a successful college education and training. And hence why earning my college degree would most likely make work much easier for me, work thats tailored to my specific conditions and talents. \n\nAs such, XXXX has been forced to provide me with small incremental pay raises, while at the exact same time Im unable to perform more than 10% of the descriptive job duties for my assigned position/role within the company (XXXX). Each day that I work, Im relegated to handing out change and beverages and food at the Drive-Thru window or doing cleaning tasks around my store. Other XXXX receiving the same level of hourly pay I receive are able to complete these same tasks and more, namely make drinks, which constitutes the sole major function of the role of XXXX, and would undoubtedly serve as the chief business stratagem of the company (the ability to make coffee drinks for a fast-paced coffee restaurant/coffeehouse whose chief products of sale revolve around various flavors of coffee). This is the scenario that ended up getting me kicked off my SSDI benefits in XXXX XXXX, a scenario exacerbated just as much by Nelnets repeated lies as it is the fraudulent XXXX practices that have been continuing to occur in my state for decades on end.\n\nAs of todays date, I currently still receive both XXXX and XXXX. My rent has continued to increase annually every single XXXX for the same one-bedroom apartment that Ive been renting from XXXX XXXX XXXX XXXX XXXX for the last four years, with XXXX working in partnership with ICS provider XXXX XXXX XXXX XXXX to provide apartments exclusively to XXXX clientele. My rent has now skyrocketed to the point where it conflicts with the limited earned income guidelines for my XXXX package. My XXXX package is also used to pay for such services as the new pair of eyeglasses I just picked up last week, eyeglasses which I would be unable to afford without my XXXX, and which would also end being another factor that would limit both my ability to successfully work a job or succeed in school (not having access to eyeglasses that adequately correct my vision problems). My XXXX package is also used to pay for all of the XXXX rides (rideshare) that I take to and from work each day that Im scheduled to work, as Im currently enrolled in a program known as XXXX XXXX, a program that sees XXXX County provide a given amount of XXXX rideshare funds each month ($1,500) so that I can have access to get back-and-forth to work and other places that I need to go. My job is approximately a 30-minute drive from my current apartment. While I could try to apply for working at a XXXX location thats closer to my current apartment, the corrupt and fraudulent behavior perpetrated by mental health care and other XXXX service providers in my state, namely the behavior of the corrupt job coaches Id cited above (who themselves receive payment via my XXXX package), my relocating to a different store means that I would potentially be exposed to insensitive and corrupt co-workers and management, while of course XXXX has a long track record of failing to protect my civil rights when it comes to matters of employment, just as well.\n\nToday, Im currently looking for more affordable ICS housing options. Im currently paying being forced to pay out of pocket for one class per semester at one of my local community colleges (as thats all I can currently afford to pay, while Nelnet, just like everyone else, has continued to get away with civil rights violations of neurodivergent borrowers). Unfortunately, I lost my XXXX scholarship to XXXX, thanks half in part to my having to deal with faulty laptop equipment that Id used part of the very last of my undergraduate loans to purchase a laptop from Dell, as well as on the part of Nelnets deceitful practices. XXXX partners with AXXXX XXXX XXXX XXXX for its educational program. Thus, XXXX educational program only pays 100% tuition for XXXX employees who specifically attend XXXX through their online platforms only; XXXX doesnt pay for any on-campus classes taken at XXXX. XXXX online programs are all accelerated programs; each program takes the exact same amount of a complete, full, four-month semester of classwork and then crams this four-month semester worth of work into 7.5 week-long trimesters for XXXX online students.\n\nIn the latter half of my online Bachelors in IT program, the portion that assigns me direct lab work with AI agents, Big Data analyzation and whatnot, Im allowed to take online courses at the four-month semester format. Until I get to those types of classes within my undergraduate program, classes found to be at the 400-numbered level of classwork, my only option is to take classes at the crammed 7.5 week-long trimester format. While attending XXXX online, I was just barely able to reach the 200-level of course work within my degree program thanks largely in part to my having to ship my laptop back to XXXX for repairs literally every 3-4 months over that duration of the last 1.5 years. The scenario would be that at any given time, I would be enrolled in the middle of a trimester of multiple accelerated classes two separate 3-credit courses simultaneously each 7.5 week-long trimester to be exact. Id have either a high grade of around B+ or A- going at any given time within any trimester, when all of a sudden, the internal cabling in my laptop would go out, or one of the USB drives on my laptop would stop working, the BIOS of my laptop would no longer be able to receive necessary updates, etc. These incidents would often occur in the middle of a trimester, in which case Id have to wait to have a pre-packaged box sent out to me by XXXX, then I would have to ship my laptop in for repairs down to their headquarters in XXXX (thus sufficient time would have to be considered for my laptop to reach XXXX headquarters all the way in XXXX, shipped from where I live in XXXX), then XXXX would have to spend time performing any needed repairs, finally with subsequent time needed for me to receive my laptop shipped back to me from XXXX. \n\nBy that time, even if only lasting the duration of 1.5 2 weeks, my XXXX grades would fall from circa an 88%- 95% B+ or A to well below the threshold for a 60% grade of D-. Seeing as how I needed at least a grade of C to pass all of my assigned classes, by the tie I would receive my laptop back from XXXX, Id have had to withdraw from my classes, as their wouldnt be enough time left for me to at least earn a passing grade of D-, let alone a C average. Even my repeatedly earning a borderline passing grade of D- (which wouldve ultimately served as an insufficient grade for me to be able to move onto the next set of classes, meaning I wouldve had to repeat such a class), wouldve eventually worked to see me placed on academic suspension from XXXX along with subsequent loss of my XXXX scholarship solely on account of low a low GPA. On the other hand, repeatedly withdrawing from the classes Id signed up for at the beginning of the trimester (which is the route I chose, given my two limited choices), eventually meant that Id ultimately end up on academic suspension with loss of my XXXX scholarship solely on account of inadequate pace rate (completion rate of the classes Id originally signed up for at the beginning of each trimester).\n\nAs XXXX does also offer a XXXX plan to all of its full-time and part-time employees, a XXXX plan which sees the company make substantial annual deposits of company stocks (termed RSUs, or Restricted Stock Units), any RSUs received from XXXX dont vest until November of each year. This means that Im unable to turn my RSU units into cash until November of each year, something I planned to do so that I could purchase a backup laptop for school. This is where, yet again, Nelnets deceitful practices begin to unfairly come into play yet again. If Id simply tried to wait and refrain from signing up for any future classes at XXXX until I could amass enough money from my XXXX so that I could purchase a backup laptop (given the fact that my undergrad program at XXXX has me working with all manner of complex and technically advance systems in order for me to complete my weekly assigned lab work, such requirements as running multiple virtual machines, cloud computing software and services from XXXX and XXXX, Big Data software, and the running, processing and working with of AI agents [among many other technical requirements], I need a laptop with adequate RAM, VRAM, CPU processing power and GPU running and handing power). \n\nIn short, a XXXX definitely would not have cut it. Just the training, running and deployment of AI agents alone means someone would have to have a bare minimum some the lower-level of offerings in the line of the latest and greatest in GPU cards installed inside their laptop, along with the substantial amount of computer memory (both RAM and VRAM) needed for the training of complex AI agents. This means that I would usually have to spend upwards of XXXX XXXX on a laptop deemed adequate enough for my program. I didnt have the option of just sitting out for a couple of years so that Id be able pull ~ XXXX from my XXXX to purchase a dependable, yet viable laptop sufficient for the type of work and purposes for which Id be using said laptop. Every time I wanted to wait and save enough money so that I could purchase another laptop, Nelnet would repeatedly harass me for monthly payments, already knowing full well that Id been continuing to receive SSDI, Medicare and Medicaid on a long-term basis. \n\nHere today, Nelnet still continues to harass me for monthly payments, even though Ive been struggling to pay for increase in rent for my apartment while having to limit my gross (not net, mind you) monthly earnings so that I can keep my apparently much needed Medicaid. Nelnet has deliberately trying to cheat and exploit me out of every single one of my needed disability services. Instead of using my XXXX money to save for a the purchase of a reputable backup laptop (Ive since been able to purchase a light-weight HP laptop that had gone on sale for Black Friday in XXXX, as my XXXX laptop is completely out of warranty and now longer functionable), Im currently using all of the money in my XXXX each semester to pay for one class per semester at my local community college (as XXXX wants me to pay out of pocket for 18 credits, which I can take at the community college level for far cheaper and subsequently transfer them in, before being allowed to once again use my XXXX scholarship). XXXXXXXX is trying to blame me for technical problems beyond my or any students control, let alone a disabled, low-income student at that. The community college at which Im currently enrolled does offer a full-ride scholarship that pays for 100% of a students tuition up to receipt of a four-year Bachelors degree (a program which had not been offered the last time Id attended community college several years earlier, circa XXXX XXXX XXXX). Im having trouble with my local state community college system allowing me access to that scholarship, as they want to take for granted that all of my civil rights have been unfairly and unjustly violated time and again over the years, just for my having diligently trying to earn a college degree. My local community college wants to try to look at my historical academic record and try to hold me responsible for being put into unfair scenarios that neurotypical college students (against whom they unfairly compare and contrast my academic performance to) never have to endure a day in their life, such as being evicted and subsequently made to be homeless in the middle of an academic term simply for doing their assigned college homework. Then along comes Nelnet with their brand of civil rights violations against neurodivergent Americans who already have it hard and unfair enough to begin with in life. My monthly payment from Nelnet should be $0, and they should be forced to acknowledge the fact that my rent has continued to climb higher each year, while I frequently have a limited cap on the amount of monthly income I can earn as a result of services I need in order for me to be successful as a person with substantially documented disabilities. Nelnet is deliberately and repeatedly actively doing their part to make sure that fail whichever classes I most currently enrolled at the time, working alongside everyone else trying to violate my civil rights.\n\nAlong with this complaint, Ive attached an official verification letter from the Social Security Administration (again, this letter has todays date at the top, the same date said verification letter was downloaded from their website, ssa.gov). Ive also attached my official ICS and service plan that is currently covered via my XXXX package and rendered via services from the state of XXXX. Ive also attached a documentation from XXXX, the company that provides my XXXX services here in the state of XXXX. Furthermore, Ive attached a picture of the most recent annual letter from my landlord, XXXX, stating my annual increase in rental payments, as habitually increased every XXXX. Ive also sent a photo of a recent eviction letter I received from this same landlord as of last month as a result of my constant struggles to pay rent. Finally, Ive attached a picture of the schedule weekly schedule of assigned meeting hours Im supposed to have scheduled with ICS staff from my ICS provider XXXX, scheduled for this week (starting on todays daye of 3/9/2026). Keep in mind while all of the hours shown only add up to only 21 hours per week, such a schedule would be completely irrespective of the same amount of meeting hours unfairly demanded by my XXXX worker, two separate case managers, Housing Support coordinator (the state of Minnesota was recently forced to terminate its statewide Housing Support Program this past fall, a program that targeted neurodivergent XXXX recipients, due to the sheer amount of XXXX fraud having been committed in just the Housing Support Program alone). \n\nAs of the present, Ive fired the majority of my service providers, as there currently isnt much these service providers can do in terms of further violating my civil rights, now that multiple public uproars and ensuing investigations have now been made and are continuing to be made at both the local state level, Federal national level and as well as the national mass media level concerning the ongoing XXXX fraud being perpetrated in this country on a daily basis, with states such as XXXX currently being brought to the forefront of such investigations. Additionally, my firsthand experience has only work to showcase how people often take for granted the civil rights and liberties they have personally afforded for them, and only care to see someone elses completely different and unique situation from the vantage point of their own privileged life circumstances (e.g. neither the people at Nelnet nor the neurotypical individuals staffed on the academic committees that governing both the academic and pace rate success of students at Americas post-secondary institutions care to take into consideration unjust, discriminatory and impossible scenarios which they themselves havent had to endure). \nI have also uploaded a screenshot from my diagnostic packet received from XXXX of XXXX, showcasing the late diagnoses I received in 2019 (the state of Minnesota had previously and illegally misdiagnosed me without having once communicated with me the extent of my original diagnoses, which have all been successfully refuted by XXXX in XXXX). Also noteworthy is the fact that while XXXX had spent a full 1.5 months of conducting both professional and official clinical tests, holding phone conversations with my parents so they could properly gauge the full onset of displayed symptoms (which has been missed and shouldve originally been diagnosed at the age of 5), not once had any of my previous medical doctors or therapists (the medical professionals whod originally diagnosed me) bothered to conduct any manner of clinical testing, bothered to contact family members, or lift a finger in the name of conducting any veritable research in the name of substantiating their diagnoses. As such, Ive provided a screenshot of the diagnostic summary received from XXXX as well as a copy of the full clinical packet/diagnoses from XXXX, which chronologically and painstakingly work to detail all clinical tests performed as well as the outcome of each individual test, and each test directly relates to my diagnoses received from XXXX.\n\nThank you for your time and help with this unfair matter of prejudice.'

Company response to consumer: Closed with explanation