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PSLF and Consolidation woes
August 2, 2016
4:45 pm
New Member
Forum Posts: 2
Member Since:
August 2, 2016
sp_UserOfflineSmall Offline

Like many of you out there, I’m having problems with understanding how my qualifying payments number is being calculated. There is no transparency in this game. I am a teacher in Washington, DC. I have about $65,000 in student debt. I started the program in 2007 as well, but then in 2009 consolidated my loans because “it’s the best thing to do!” Interest rates were low at that time, so being a single parent and trying to get this beast of burden off my back, I did what I thought was the best thing to do. It wasn’t until this year when I called to ask just how many qualifying payments I had, that I was shocked in disbelief. The loan agent I spoke to said, “Well, why did you consolidate?”… A better question is: Why was this information so hidden from me?

I did a search today to look for the 2009 version of the Consolidation application. Maybe I wasn’t reading it correctly or didn’t understand the language, but I didn’t see anything that would indicate I would lose payments. I called them and asked where I would have seen this information. The representative told me it is on the Employment Verification Form. What?! Why on earth would I look at Employment Verification to see stipulations of consolidation?? Am I missing something here?

I’m really at a loss and crushed that I’m now behind two years (not to mention the missing qualifying payments I’m confused about). Like many of you, I’m not rolling in the dough working in the public sector (in fact, I’m putting in hours and hours of “free” overtime). I also have a daughter who is about to head to college herself. Funny, FAFSA only gave us $7,000 towards her $44,000 public university price tag.

If anyone else has had this situation, I’d love to know if there is anything that can be done about it or if I just have to brush it off.


August 3, 2016
10:28 pm
Forum Posts: 352
Member Since:
May 3, 2014
sp_UserOfflineSmall Offline

Hi Julie,

The Department of Education recently created a new system for filing complaints about federal student loan servicing, this avenue might be worth investigating: https://studentloansherpa.com/department-education-creates-student-loan-complaint-system/

Ultimately though, you may end up among the many borrowers who end up losing money due to poor customer service when it comes to student loans… sadly it is a common occurrence: https://studentloansherpa.com/government-benefits-form-loan-servicing-incompetence/

Best of luck,


January 1, 2017
7:13 am
Harvey Gemme

I just tried to submit a complaint on the feedback.studentaid.ed.gov website. I filled out contact info and complaint…then found there is no “submit” button to click to move to submission stage.

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