AES/PHEAA Student Loan Complaint

Non-federal student loan Dealing with my lender or servicer trouble with how payments are handled

AES/PHEAA Student loan department,

Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled West Virginia

Hello, I submitted a report on - ( complaint ref # - ) about - student loan otherwise known as - - - ( - ) about reducing my student loans. Recently, I was awarded a short-term payment for - for three months. When I agreed to the short-term agreement terms I was informed by an - representative that I could apply for a long term agreement, which I did. Furthermore, I was awarded the long-term agreement on -, but I was only awarded for - of my loans and not the other - due to my cosigner income. To be awarded for the long-term agreement, I submitted documents that show proof of income along with my co-signer and other documents to complete the application. As a result, - granted long term agreements on - of my loans because I did not have a cosigner on the loans. Based on that information, - determined I did not make enough money for the current payment and awarded me the agreement. However, I was denied the long term agreement on my other - loans due to my cosigner, because as the - representative stated " both of our incomes were combined


factor in my case. When I was granted the short-term agreement I did not have to provide my co-signer income nor his signature to be place on a short term agreement. The short-term agreement applied to all my loans without the use of my cosigner unearned income information nor signature for the approval. The information I submitted to - for the Long-Term Agreement had my cosigner income information on the documents that I submitted, but it clearly states social security not source of income due to retirement. I even submitted my co-signer information from the Social Security Office, which states his monthly payments. Now, - have decided to use my co-signer information against to increase my payment to - a month, which is only a $120.00 dollar difference from $510.00 which I was paying before -. I am paying my loans by myself, my cosigner is not paying on any of my loans. Also, I am not delinquent on any of my loans and it 's going to continue to stay that way. I am just asking for fairness and consistency from -. Please, can you help me.

AES/PHEAA customer in West Virginia
Jan 07, 2016

* Source: CFPB Complaint Database

AES/PHEAA response to complaint:
Closed with explanation

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