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Topics - Piggy68

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?
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??
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?
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.