Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I. INTRODUCTION I hereby submit this formal request for supervisory and administrative review of my federal student loan account in connection with my eligibility for XXXX XXXX XXXX XXXX ( XXXX ), voluntary payments made during the XXXX administrative forbearance period, and entitlement to borrower-favorable corrective relief. This request is made based on my proximity to XXXX discharge eligibility and the substantial payments made under conditions of administrative disruption and evolving program guidance. ________________________________________ II. FACTUAL BACKGROUND My account currently reflects 118 of 120 qualifying XXXX payments During the XXXX administrative forbearance period, I made 47 voluntary payments totaling approximately {$14000.00} These payments were made in good faith while actively pursuing XXXX eligibility The payments occurred during a period characterized by administrative uncertainty, program implementation changes, and evolving borrower guidance I am currently two qualifying payments from XXXX discharge eligibility Given these facts, there is a substantial likelihood that some or all these payments were not necessary to achieve forgiveness eligibility, resulting in potential overpayment and financial harm. ________________________________________ XXXX. REQUESTED RELIEF I respectfully request that the following forms of relief be evaluated concurrently and, on a borrower, -favorable basis : Primary Relief Immediate review for XXXX discharge eligibility, including application of any administrative mechanisms necessary to reach 120 qualifying payments Alternative Relief Refund of voluntary payments made during XXXX administrative forbearance ( approximately {$14000.00} ) Further Alternative Relief Corrective account adjustment, including : o XXXX payment count reconsideration o XXXX Buyback ( if applicable ) o Administrative correction sufficient to achieve XXXX eligibility ________________________________________ XXXX. BASES FOR RELIEF A. Payments Made During Administrative Forbearance The payments at issue were made during a period of administrative forbearance under the XXXX program. I request full review of all refund eligibility and corrective options applicable to payments made under these conditions. B. Potential Overpayment Given that I am currently at 118 qualifying payments, the 47 voluntary payments made during forbearance raise a clear question of whether amounts paid exceeded what was reasonably necessary to obtain XXXX discharge. C. Financial Harm The payments total approximately {$14000.00} and represent a material financial burden. To the extent these payments were unnecessary, I have experienced avoidable financial harm. D. Detrimental Reliance These payments were made in good-faith reliance on loan servicing and repayment expectations. I was not clearly advised that continued voluntary payments during this period may not be required or may later be subject to refund or correction. E. Administrative Disruption and Borrower Prejudice The XXXX implementation period involved changing guidance, processing delays, and servicing uncertainty. I request that my case be evaluated considering these conditions and that I not be disadvantaged by administrative transition outside my control. F. Equitable Considerations To the extent retention of these payments without review or relief would result in inequitable outcomes, I request borrower-favorable equitable correction to restore me to the position I reasonably would have occupied absent such disruption. ________________________________________

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