Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Subject : Follow-Up Regarding Active Account Review, Incorrect In-School Status, and Application of Completed One-Time IDR Payment Count Adjustment To : XXXX, XXXX, and Federal Student Aid Date : XX/XX/XXXX I am writing as a formal follow-up regarding my ongoing federal student loan servicing dispute, my previous CFPB submission, and the recent correspondence received from Aidvantage dated XX/XX/XXXX ( Account XXXX : XXXX ), confirming that my inquiry and account concerns are currently under active review. The purpose of this letter is to supplement my open case files with official, updated federal guidelines regarding the completion of the XXXX Income-Driven Repayment ( IDR ) Account Adjustment, and to demand immediate correction of my ongoing in-school reporting errors so that my account can be properly aligned with these updated rules. XXXX. Re-Clarification of Incorrect In-School Status As established in my prior complaints, my loans are currently reflecting an in-school or in-school deferment status with an anticipated graduation or deferment end date extending into XXXX. This information is completely inaccurate : I am no longer enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current enrollment at XXXX XXXX XXXX XXXX is exactly XXXX units, which falls strictly below half-time enrollment. Federal Student Aids own website explicitly displays the following notice on my account dashboard : STUDENT AID TIP : It looks like youve recently completed school, withdrawn, or dropped below half-time enrollment. This means that you will soon need to start making payments on your federal student loans. Because your systems continue to carry this erroneous XXXX in-school classification, I have been locked out of entering an active repayment status and completing standard processing for an Income-Driven Repayment plan. XXXX. Integration of New Federal Guidelines & Completed IDR Account Adjustment According to official Department of Education policy updates, the One-Time IDR Payment Count Adjustment has now been fully completed. This completed review has critical ramifications for my account that must be resolved immediately : Completed Recount Timeline : The XXXX Department of Education completed the payment count adjustment in the fall of XXXX, displaying updated counts on StudentAid.gov. Per federal guidelines, because my consolidation application was submitted prior to XX/XX/XXXX, and my consolidation loan was successfully disbursed prior to XX/XX/XXXX, my Direct Consolidation Loan is fully eligible and must be credited with the payment count adjustment. Preservation of Historical Months ( The XXXX ) : Per the finalized rules, my consolidation loan must inherit the longest historical repayment timeline of the underlying loans. The adjustment explicitly evaluates loan history starting XX/XX/XXXX, and credits all eligible months in a repayment status, consecutive forbearance strings of XXXX months, cumulative forbearance strings of XXXX months, and XXXX non-in-school deferments. My historical record reflects more than XXXX qualifying months in the National Student Loan Data System ( NSLDS ) tracking back into the XXXX, all of which must be retroactively applied to this consolidation loan. Impact of Ongoing Court Injunctions : Federal guidance explicitly notes that due to recent court injunctions affecting other IDR plans, only loans enrolled in the Income-Based Repayment ( IBR ) Plan that have accumulated enough time for forgiveness ( XXXX or XXXX months ) are currently eligible to be forgiven. Furthermore, the Department of Education has clarified that forgiveness information is entirely inapplicable to borrowers unless they are explicitly enrolled in the IBR Plan. XXXX. Immediate Action Requested Because IBR enrollment is now the sole protected path to securing IDR loan forgiveness under current legal injunctions, your administrative errors are actively harming my financial rights. By forcing my account to stay in an unrequested, inaccurate " in-school '' status, you are directly preventing me from moving into an active IBR status to realize the benefits of my XXXX years of historical payment credits. I respectfully demand the following actions : Immediate Status Correction : Remove the inaccurate in-school / in-school deferment status reporting and coordinate between XXXX, XXXX, and the National Student Loan Clearinghouse to update my account to a standard repayment status. Retroactive Application of Counts : Provide a full accounting of the completed One-Time IDR Account Adjustment on my Direct Consolidation Loan, verifying that my historical months from the XXXX have been accurately applied up through XX/XX/XXXX. Immediate IBR Plan Processing : Process my pending Income-Based Repayment ( IBR ) application immediately upon correcting the enrollment status so that I am safely positioned in the only legally authorized plan eligible for automatic forgiveness. Written Affirmation : Provide clear, written confirmation that my eligibility for the completed one-time IDR adjustment has been preserved, that my historical credits will not be reset, and an exact timeline for when my updated IBR payment count tracking will display on StudentAid.gov. This matter has been documented extensively across FSA XXXX # XXXX and my concurrent CFPB filings. I look forward to your prompt coordination and a swift, written resolution. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response