Student loan -- Struggling to repay your loan -- Complaint #12614062
Complaint Overview
Complaint ID: 12614062
Company: Servicer Under Contract With Federal Student Aid
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-Issue: Problem with forgiveness, cancellation, or discharge
State: Louisiana
ZIP Code: 70816
Date Received: 2025-03-22T12:00:00-05:00
Date Sent to Company: 2025-03-22T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**. According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education*** . Recent federal action has eliminated or reassigned the Department 's responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. This constitutes a **substantial and unilateral alteration of the agreed-upon terms***, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. Sincerely, XXXX XXXX XXXX ( formerly, XXXX ) XXXX XXXX
Frequently Asked Questions
What is Complaint #12614062 about?
Complaint #12614062 was filed against Servicer Under Contract With Federal Student Aid regarding Student loan specifically about Struggling to repay your loan. It was received by the CFPB on 2025-03-22T12:00:00-05:00.
How did Servicer Under Contract With Federal Student Aid respond to this complaint?
The company responded with: "Untimely response". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Servicer Under Contract With Federal Student Aid?
Yes, visit the Servicer Under Contract With Federal Student Aid company profile at readthecomplaint.com/company/servicer-under-contract-with-federal-student-aid to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.