Access Group Student Loan Complaint

Access Group Student loan department,

Non-federal student loan Can't repay my loan Can't decrease my monthly payments Florida

I have a - and an -, and I have accumulated about $150000.00 in federal and private student loans, of which $45000.00 in private student loans have become a big problem to repay. I am unemployed and have very minimal income. I have exhausted my deferment, and I was refused to get on the income-based repayment plan or MGRS- modified graduated repayment schedule. My servicer is - and the holder of my student loans is Access Group. Both refused to provide me with an income-based repayment plan, and here is why- I was on the income-based repayment plan but still had a hard time making payments. - ' representative offered me a deferment for three months ( which would exhaust my deferment ) and then get back on MGRS. My three-month-deferment just ended. To my surprise, following the deferment period, - advised me that the MGRS is not an option for me anymore because I can not go on and off it, and


Had - associates been properly trained and provided accurate student loan advice to me in the first instance, I certainly would not have canceled the MGRS just for 3 months. I would have stayed on the MGRS. Clearly, my choices have been made based on false information provided to me by their servicing center. Now, I am without income and in a worse repayment position than I was prior to deferment. It seems nonsensical to me that I can not use an income-based repayment plan. I do not believe that - and Access Group are providing me with accurate information. Please help me get back on the income-based repayment plan. Thank you, -