Consumer complaint received 2025-04-04 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: IN

Complaint narrative:
XX/XX/XXXX To whom this may concern, I am writing to request consideration for forgiveness for my consolidated federal student loan. 

I have requested documentation of my phone communication with first Federal Student Loan, then my loan was transferred to Mohela and they will not give me documentation. I started payments in XXXX. My loan was initially a Parent Plus Loan and then recommended to me to transition to Consolidated loan, then it would not be considered a PPL and considered for forgiveness options. However, this did not happen as was explained to me. 

I am now XXXX XXXX XXXX and retiring. I am a single mother of an adopted daughter from a XXXX XXXX  when she was XXXX  years of age. She XXXX XXXX XXXX XXXXXXXX with student loans, and I have incurred over {$150000.00} of Parent plus Loans ( PPL ). My daughter is working in biochemistry in pharmaceutical industry and in public health since her graduation. I am very proud of the contribution she is making. 

I have been working XXXX jobs since XXXX to try to pay off this loan by the time I turned XXXX, but due to some unforeseen medical issues, I had to defer some payments. Now I will be left using my retirement funds to pay this loan. 

As you know, PPLs do not have the options for forgiveness as student loans do. 
Per state of Indiana the options for forgiveness include XXXX XXXX XXXX XXXX XXXX to Service Loan repayment Progrm ( HRSA ). This program provides forgiveness for student loans for health care workers who work in under privileged areas in Indiana. Despite the fact I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not qualify for forgiveness HRSA. Specifically, since XXXX I have worked in a XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) as a XXXX XXXX XXXX XXXX. 

My colleagues who have student loans were eligible for forgiveness working in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I work and have had as much as {$200000.00} forgiven through this organization. I added a weekend job, but it is a XXXX XXXX XXXX XXXX XXXX and does not meet criteria for loan forgiveness. I was advised to consolidate the loans for the XXXX XXXX XXXX XXXX XXXX  to Service Loan Repayment Program ( HRSA ) thus making it a consolidative direct student loan and not considered Parent Plus Loan. However, it did not work out as I was told. Since my consolidated loan originated from a Parent Plus Loan, it does not apply. So, every year I applied, I was denied. 

My efforts to seek loan forgiveness through federal student loan service have not been successful. The consolidation was supposed to help me qualify for XXXX loan forgiveness after XXXX payments through the PSLF plan. However, I would need to complete XXXX payments that would extend until I am XXXX. During that time I would need to work full time at nonprofit at least XXXX hours/week to qualify for PSLF. A second federal option was the {$10000.00} relief. However, I am not able to qualify for that relief option due to securing a second job to make monthly payments. he focus of policies regarding loan forgiveness has been the population of students who are starting out their careers and will be able to pay off their loans over a long period of time. But parents are not able to transfer the PPL into our students names, so we are stuck to pay into our retirement years. As a single mother who is now XXXX, this is a big stressor. I am not asking for a free ride. I am asking for relief and credit for work done as is given to students for student loans. 

Thank you for allowing me to share my concerns and I hope you will take this into consideration as you look for ways to enhance higher education in America. 
Most Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Cc ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education.

Company response to consumer: Closed with explanation