Student loan -- Struggling to repay your loan -- Complaint #12950199

Complaint Overview

Complaint ID: 12950199

Company: Maximus Federal Services, INC.

Product: Student loan

Sub-Product: Federal student loan servicing

Issue: Struggling to repay your loan

Sub-Issue: Problem with your payment plan

State: Utah

ZIP Code: 84047

Date Received: 2025-04-11T12:00:00-05:00

Date Sent to Company: 2025-04-11T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to formally file a complaint regarding a serious and unresolved issue with my federal student loans, which are currently serviced by Aidvantage. On XX/XX/year>2025, I was quoted a monthly XXXX XXXX payment of $ XXXXa gross miscalculation. Based on my income and enrollment in the Income-Driven Repayment ( IDR ) Plan Pay As You Earn ( PAYE ), the correct payment should be approximately {$1300.00} per month. I have contacted Aidvantage repeatedly over the past four weeks, speaking with more than five different representatives, and their staff has openly admitted this is a systemic error on their end. Each time I called, I was assured that the issue would be corrected by XX/XX/year>2025. However, when I followed up on XX/XX/XXXX, the representative I spoke with had no knowledge of any prior conversations, showed no awareness of the XX/XX/XXXX resolution deadline, and provided no clear path forward. I was told the issue could or may not be resolved, and despite my repeated requests, I was not permitted to speak with a supervisor. The lack of continuity, transparency, and accountability is completely unacceptable and deeply distressing. To make matters worse, Aidvantage has placed my loans into forbearance while they attempt to resolve their internal error, further disadvantaging me as a responsible borrower. This forbearance negatively impacts my progress toward Public Service Loan Forgiveness ( PSLF ), by potentially disqualifying these months from my qualifying payment count. I feel I am being punished for a failure that is entirely theirs. I have done everything asked of me, complied with all requirements and deadlines, and stayed on top of my repayment obligations. This situation has caused me extreme XXXX. I am currently experiencing a high-risk XXXX, and this ongoing issue is directly affecting my health and well-being. The time and energy required to repeatedly follow up with Aidvantageoften during business hourshas also interfered with my responsibilities as a XXXX XXXX XXXX compounding my XXXX and professional burden. I respectfully request immediate intervention to : 1. Correct my monthly payment to the appropriate amount ( approximately {$1300.00} per PAYE guidelines ). 2. Remove the forbearance designation and ensure all eligible months count toward PSLF. 3. Prevent any negative credit reporting, interest capitalization, or financial penalties resulting from this error. 4. Hold Aidvantage accountable for its failure to resolve this acknowledged issue and the unacceptable lack of internal communication and customer support. I am happy to provide documentation including income verification, repayment plan records, correspondence logs, and more. Thank you for your time and attention to this matter. Sincerely XXXX XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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