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Messages - Piggy68

1
Student Loan Forgiveness / Missing loan data in FSA
January 26, 2022, 08:48:37 am
My loan history data is missing 5 years.  The lender that I had from 2008-2013 failed to report my history. When they transferred my loan in 2014 to Navient, they reported that they received no information from the lender. So my loan history begins in 2014 instead of 2008.  My old lender from 2008 no longer exists.

This missing data is keeping me from qualifying immediately for PSLF/TEPSLF.  Here are the things that I have tried so far;
contacted my current servicer fed loan servicing - (they said to contact FSA)
contacted my last servicer Navient - (they said there is nothing THEY can do and to contact FSA)
contacted and filed a complaint (Feedback) with FSA (including providing proof of student loan payments) - (it's been 60 days and I still have no progress) every time I call to follow up, they give me the brush off saying someone will contact me in a few days with a progress update...no one ever calls.

I understand that priority is given to people who already qualify for PSLF/TEPSLF.  I AM one of those people if this missing information is applied.

Does anyone have any suggestions to help me?
2
Answering your questions..
-my loan servicer from 2008 - 2013 - was Direct Loan Servicing (Greenville, TX); 2014 Sallie-Mae for the first 6 months and then Navient until they transferred it to FedLoan Servicing to handle the PSLF process currently
-my loans were Direct Unsubsidized Consolidation ($105k)
-my loans were consolidated August 2008
-I have only been on an Extended Repayment plan (That plan prohibits me from PSLF, but does qualify now under the Biden waiver under TEPSLF

On the FSA website, it only shows my original loans from the late 1990's and then NAVIENT.  There is nothing covering the years from 2008-2013??
3
I have been in public service for 22 years and have been in repayment since 2007.  I only recently found out about the TEPSLF/PSLF when it was announced on the news in October 2021!!  I figured this as a "no brainer" as I calculated from memory at least 147 qualifying payments under the TEPSLF waiver. I filed my applications and actually received the results fairly quickly.(December 3rd). I received the results that I only qualified for 74 payments. My jaw dropped to floor.  They (loan servicer) give you no real explanations when you try to call customer service for any help.  You can tell they are reading from a script.
I pulled my total loan history from Federal Student Aid (former known as NDSLS) and it shows that information is completely missing years from 2008-2013. The loan servicer at that time failed to report ANY of my student loans and they have since gone out of business. That is five (5) years of payments un-accounted for!!! 
I filed a complaint with FSA on the feedback website and also contacted the Ombudsman Office to start an investigation. I'm mortified that whomever is in charge of evaluating this stuff, just blew by the fact that total loan history goes BLANK from 2008 to 2013 without any explanation and they don't follow up on it. The Ombudsman office had me fax my Federal Income Tax records 1098-E showing interest that was paid during that time showing I obviously was making payments during those years. It is my only evidence since ACH, credit reports and bank records do not keep records beyond 7 years.
 
Will I get credit/qualifying payments for these missing years??
4
I completely understand your frustration. I am in the same boat. I have been in public service for 22 years and have been in repayment since 2007.  I only recently found out about the TEPSLF/PSLF when it was announced on the news in October 2021!!  I figured this as a "no brainer" as I calculated from memory at least 147 qualifying payments under the TEPSLF. I filed my applications and actually received the results fairly quickly...on December 3rd, I received the results that I only qualified for 74 payments. I dropped to my knees.  They (loan servicer) give you no real explanations when you try to call customer service for any help.  You can tell they are reading from a script.

I finally had pulled my total loan history from Federal Student Aid (former known as NDSLS) and it shows that information is completely missing for years from 2008-2013. The loan servicer at that time failed to report ANY of my student loans and they have since gone out of business. That is five (5) years of payments un-accounted for!!! 

I filed a complaint with FSA on the feedback website and also contacted the Ombudsman Office to start an investigation. I'm mortified that whomever is in charge of evaluating this stuff, just blew by the fact that someone's total loan history goes BLANK from 2005 to 2013 without any explanation and they don't follow up on it. The Ombudsman office had me fax to them my Federal Income Tax records 1098-E showing interest that was paid during that time showing I obviously was making payments during those years. It is my only evidence since ACH and bank records do not keep records beyond 7 years.

It will probably now be months before I get a re-evaluation. I'm not even concerned about receiving the overpayment. I just want to meet the 120 and be done with this whole thing. If anyone else has any tips or whom else I should reach out to, it would be appreciated.
6
I'll try to keep this concise..
Undergraduate loans consolidated in 2010 =$44k
New Master's Degree completed in 2019 -(in grace period and Covid 19 forbearance until 1/22/22) - Has NOT consolidated these graduate degree loans yet!

My friend has been in Public Service the entire time 2010 THROUGH still currently in public service.

Should my friend consolidate ALL of the loans before 1/22/22 OR should he just apply for PSLF for the undergraduate loans that were consolidated back in 2010?  If he just applies with these loans, he will have been paying qualified payments for 8 years.

My fear is that if he tries to consolidate the NEW graduate loans, this will start his time of qualifying payments back to Zero...???

Advice...should he just apply now for the undergraduate consolidated loans for PSLF?
7
...typo "electronic debit"
8
I've always had electronic rebate.  The only thing of significance I can remember from 2014 is that I asked for a brief hardship forbearance because my husband lost his job. But I can't find anything to support that theory.
9
Yes, here is the timeline for me....

10/6/21 - Sent Fed Ex PSLF Application form
10/28/21 - Received letter from US Dept. of Ed that my application and employment verification has been reviewed and verified.
11/1/21 - Received letter stating my loans would be transferred from my current servicer to new servicer Fedloan Servicing
11/16/21 - Received letter stating that Fedloan Servicing is now my Servicer and that they are reviewing my status for PSLF
11/30/21 - Logged into Fedloan Servicing account and saw section regarding "BENEFITS" REBATE disqualified as of 10/26/2014..??
12/1/21 - Received letter stating that my account is being reviewed for "Qualifying payments"...they state in the letter that it could take up to 90 days for full review.
(My situation is a No-brainer. I've been public service for 20 years and have been paying my student loans since 2008. I probably met the 120 payments threshold back in 2019/2020.

***My question is "what was I disqualified for under the Benefits--REBATE section???" Is this separate from the loan forgiveness section.
10
I'm currently in the process of the review for PSLF waiver.  I've been public servant for 20 years and have been paying student loans on time since 2008.  Under the section "BENEFITS" it says "disqualified as of 10/26/14".  I don't know what this means and I've been on hold for an entire day trying to reach a customer service rep from Fedloan servicing.  I'm trying to figure out if that is some information separate from the PSLF review or if I've already been denied.  Is anyone familiar with this Benefits section? 

I've read that PSLF review can take up to 90 days. I just got my letter that Fedloan has taken over my account on 11/30/21.