Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I am requesting a private loan school misconduct discharge. I attended XXXX XXXX which was accused of defrauding students while I was in attendance. I am aware that the XXXX on XXXX XXXX XXXX has advocated for all private lenders to supply this application to students who attended schools accused of misconduct - and refund students who were taken advantage of by these " for profit '' schools. I am looking for a complete refund of all my payments. 
XXXX XXXX Account # XXXX Here is some more information My name is XXXX XXXX I am XXXX XXXX XXXX and from Illinois. I attend XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I graduated with an XXXX XXXX in CAD. I attend XXXX XXXX XXXX started in XXXX and finished in XXXX XXXX, MO. I worked a lot of dead in jobs and I wanted a change. I kept seeing the XXXX commercials on TV and decided to give them a call. Well, I fell for their sales pitch and here I am XXXX  years later over {$40.00} XXXX dollars in debt. XXXX was closed a few years ago after it was discovered that they mislead their students and also frauded them. I noticed things were not as they seemed when I look back at all of this. After the first quarter they changed the XXXX program and made us pay more money with not evening explaining anything. Most of the instructors there were not even a licensed instructor. They worked everyday jobs and they were working for XXXX just to make some extra money. They also made the promise of helping me find a job while enrolled and after graduation. Neither XXXX of those happened. I had to find my own work while I was there. Then when I asked about helping me find work after they told me I was living to far away for them to help me. I did my own leg work to find myself a good job. I no longer work in the XXXX field. I was forced to take out this private loan with AES to help make ends meet while I was in school. I have had problems paying this back for sometime now. I feel that I should have this all cancelled since I had to show proof that I was a student to take out this loan in the first place. Well, XXXX had been shut down for what they did to students. A lot of loans are being cancelled and money refunded back. Both federal and private loans. AES should be no different. With the current interest and monthly payments, it is outrageous what is being done. 
A couple of years ago I applied for a XXXX XXXX through the XXXX XXXX XXXX. Since I was a former student at XXXX. With the backing of XXXX on XXXX XXXX group and XXXX XXXX. In XXXX of this year I received a Full Settlement Relief under the XXXX settlement. I have not yet received a refund on any of my money that I paid to XXXX. The reason under the XXXX XXXX were as follows. 
My school did not full fill its guarantee that I would find future employment My school misrepresented its partnerships with employers My school misrepresented the repayment terms or total cost of loans it provided to me. Along with Careers services mislead me. 
I owe over XXXX to AES on this loan and the rates keep going up last I checked my payments over XXXX a month for 6 months. Since I am behind. Before it went from {$350.00} to over {$470.00}. When I break all this down it is 65 % to 75 % of my income would go to this. I am XXXX I only have XXXX source of income. I can barley afford to put food on my table and pay for gas to get to work. Not to mention pay for auto or health insurance. 
On top of all this it has taken a toll on me mentally I was under the care of a XXXX to help me deal with this. I will attach that information. 
Since I was misleading by XXXX which they were guilty of across the board for a lot of people. I had to show proof I was a student in order to get this loan. I feel that this loan should be XXXX like my other loans are or in the process of. 
Over the last decade, federal, state and private litigation and investigations have demonstrated that major for-profit college chains ( ITT ) engaged in predatory practices, pressuring students to borrow large amounts by making false, misleading, or fraudulent claims about employment placement rates, starting salaries, and other indications of future success. These inquiries also showed that predatory schools have targeted non-traditional students, low-income households. I fall right in all of that. ( the above statement was from the https : XXXX ) I have enclosed a variety of documents to back up this claim. I have a copy of my XXXX XXXX XXXX application. It states what XXXX has done. I have my XXXX XXXX XXXX however I am still working on getting my Private Loans through XXXX. 
Also enclosed is a letter that my therapist wrote to your company a couple of years ago. Backing up my claim on how this loan and all the issues it has caused me mentally. At the time I Gave her power of attorney to ask about this loan. AES sent her some information however to her shock it was not even mine to begin with. It was another loan holder. 
You will also find a letter that is a copy of what XXXX XXXX and other Senators sent to XXXX  about their private loans. Also, on that letter it is signed by a XXXX from IL my state. I am in contact with him as well. 
I will await your response on this matter. 

Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation