ACS Education Services Complaints

ACS Education Services consumers have reported over 430 official complaints. Out of the 430 consumer complaints against ACS Education Services, 26% were disputed by the consumer (i.e. the consumer was not happy with how ACS Education Services responded to their complaint) and 99% were processed in a timely manner. 0% of consumer complaints against ACS Education Services resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 10% resulted in non-monetary compensation.

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New ACS Education Services Consumer Complaints


ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

November 16, 2016 - I have been paying my student loan through ACS Education Services for 10 years. Never missed a payment, and have never been late on a payment until recently because we are going to pursue legal action. My principal balance has increased instead of decreased. All my payments are mostly applied to the interest and not the principal balance. I am on a FI-ED rate plan but the interest seems to be variable and calculated by which day i pay. ACS is saying i owe more than what i originally took my loan out for. How is that possible? In the end they want me to pay DOUBLE what my original loan amount w...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

October 27, 2016 - We have attempted to leave several messages, emails regarding this account. - is currently in the United States - and I am personally paying on this student loan and they are threatening to send it to the -...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

June 30, 2016 - My wages were garnished, without any notice, by -. Upon contacting -, I have received a lot of obfuscation regarding who my loan was with. - claimed that my loan was created with the lender : the University - - -. Upon checking my credit report, sure enough, the financial bank/lender is listed as the University - - -. This is a college, not a bank. I did not take out loans from this college, and I did not take out loans to go to this college. Upon further investigation, I have been told ( only on the phone, never in writing ) that the lender was an organization calle...

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ACS Education Services Student loan dealing with my lender or servicer received bad information about my loan

June 6, 2016 - On -/-/- I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On -/-/- at - I called back with a rep from the loan guarantor on the line. I spoke with - - who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In - I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correc...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

June 3, 2016 - I received negative scores on my credit due to communication errors by the lender ( University - Pennsylvania ) and the servicer ( -, a division of - - ). I made a payment to the servicer - - but they failed to credit this - account and gave a negative credit report that severly hurt my credit score. The - website managed by - that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 da...

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ACS Education Services Student loan dealing with my lender or servicer need information about my balance/terms

May 23, 2016 - I have paid on a consumer credit student loan since -. My school did not accept federal or private loan disbursement of funds. This was living expense. After - for over 10 years I am on - -. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. - bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE - AND -. THE TERMS ...

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ACS Education Services Student loan dealing with my lender or servicer don't agree with fees charged

May 20, 2016 - Student loan repayment initiated approximately 20 years ago, went into default, payments began - 2010 with beginning balance of $11000.00. Since then $ $4400.00 has gone toward interest, $2600.00 towards principal with an outstanding balance of $9400.00 on an 8.25 % fixed loan with monthly payments in the amount of $120.00. Loan is through ACS Borrower. We have reached out to ACS with no success in understanding their calculations. School was - - -, - - T-...

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ACS Education Services Student loan dealing with my lender or servicer received bad information about my loan

May 20, 2016 - I graduated college in 1999 and was a - who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help....

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

May 2, 2016 - I have a private student loan from ACS and have experience several issues and inconsistencies when paying for my student loan. First, I do not deal with ACS directly but with an establishment called - -. - - automatically debits from my debit card for payments to the ACS owned loan. As much of an convenience this sould be, - - has failed to debit my account for payment on several occasions. When this occurred I was never notified the account was past due until 30 to 60 days with a phone call from a representative from - -. However, if it was 30 days late instead of aski...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

April 27, 2016 - Even though I have been a - since -, my student loans started coming due a few months ago because of a promptly fixed error at - ( where I am currently enrolled as a - ) that briefly reported me as - for Fall. I fixed the problem and ACS sent me letters reporting that they received my status and that my loans were on deferment. However, apparently this only applied to my federal loans ( ACS I think only just represents both my federal and private loans ) and this was NOT mentioned in the letter, which suggested all of my loans were deferred. I only found out recently that my pri...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

April 20, 2016 - So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal? ...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

April 12, 2016 - I made a payment to the loan service, ACS, but it was not applied to my account and they reported a delinquent payment to the credit agencies. Now my credit is almost below -. I have had issues with this loan servicer for over 4 years. Their website does not work, and so I made a payment over the phone but it looks like the payment not applied correctly. ...

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ACS Education Services Student loan can't repay my loan can't decrease my monthly payments

April 4, 2016 - - back in school he can not make payment. I am co-signer and an - years onld with finncial hardship. ACE refuses to work with me. ...

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ACS Education Services Student loan dealing with my lender or servicer don't agree with fees charged

March 17, 2016 - Hello, I took out a private student loan from ACS Education Services in 2006. Each month I have made my payments on time. They almost always apply over % - of my payment to interest and not the principal, so my balance barely goes down. When I contacted them about this they responded this, and this is on their website : Q : Why is n't my balance going down even though I am making payments? A : Payments are applied to assessed late charges ( if any ) first, then to any outstanding interest, and finally to the outstanding principal balance. You may have outstanding accrued interest that need...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

March 10, 2016 - I would like to file a complaint about my loan servicer ACS educational services. I submitted an IBR form online which was not accepted electronically. I submitted hard copies of my - as well as their form. The years have not processed it. I repeatedly spoke to them and resubmitted the former following their instructions and their guidelines. They keep sending me reasons why they can not process my IBR. I have not had this problem with my other loan company - -. ...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

March 9, 2016 - I have a student loan owed to ACS ( - - and - ) - around $2800.00. I am a - - - at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from -, 2017 when I finish my - ( - ). ...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

February 26, 2016 - Called on -/-/16 for a payoff amount on - loans serviced by - and was quoted an amount which I paid that day. Payment was posted -/-/16. Called back to verify that loans were closed and was informed that - loans were still open. The loans that were open were the loans with the highest interest rate. Billing statements had a preprinted notice that any additional amount paid would go to the highest interest accounts first. Called back to ask about why loans were still open and was told that - loans were over paid. Had I NOT called and asked, I would have had - opens th...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

February 24, 2016 - I have reached out to ACS three weeks ago about having issues making payment on my loan. They informed me of some sort of income driven repayment and said they would send me an application. I am now a week overdue and I have not received the application. This unfortunately is not the first time I have had to deal with this type of issue with ACS and am finding them sending documents late a recurring issue. I always have to call, sometimes up to three times to get them to finally send me the document I need. This creates my account to go past due and I am then penalized. ACS needs to be a littl...

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ACS Education Services Student loan dealing with my lender or servicer keep getting calls about my loan

February 16, 2016 - On -/-/2016, a woman called my cell phone, and said she was calling from the student loan company ACS, and had information for me.. She asked for my birthday and home address, which I did not give to her, and she would not tell me the purpose of the call until I supplied her with my birthday, - She said I could call ACS to get the information and had a phone number for me, which I did not take. Instead I called ACS myself ( as I do have both private and federal student loans with ACS, https : //www.acs-education.com ), and they told me no one from ACS had tried to contact me, and that the...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

February 4, 2016 - ACS has been applying my entire monthly payment only to interest and allocating - to the principal. ...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

January 18, 2016 - ACS will not apply my payments equally to each of my loans. When I make a payment by check, they only apply the payment to - loan, and the other remains past due. I then have to call them and go through, what is often, a lengthy, frustrating process, consisting of multiple calls to get the payments applied. I have paid $1200.00 since - and - of my loans is 65 days past due. I can not get them to apply the payments properly. ...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

December 31, 2015 - I am an - military member who financed a - school education through private lenders. I was forced to pay the entire tuition up front. The school was never able to properly train the students, and it eventually shut down before I was awarded a degree. I am now stuck with $ - in debt and nothing to show for it. I spoke with - - - at the - - Legal Assistance Office, and he referred me to the CFPB and Office of Service Member Affairs. -/-/- I began - through - - - in - - -. This was a - accelerated program which I was told would take 6-8 month...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

December 21, 2015 - I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to - -. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On - -, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date - - - ) was approac...

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ACS Education Services Student loan dealing with my lender or servicer trouble with how payments are handled

December 17, 2015 - This is related to a previous request, Case number : -. Based on the success of my previous request. I have requested that my co-borrower be released from my loan. ACS stipulates that I must make 24 consecutive payments for this to occur. However, since my payments were misapplied, ACS is not showing that I meet the stipulation. If my payments are adjusted correctly and the overage balances are moved forward, I believe I meet the requirement for the co-borrower to be released. I would like to see a full audit of my account and payments, along with the stipulations of my loan, to have my...

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ACS Education Services Student loan dealing with my lender or servicer having problems with customer service

November 19, 2015 - As of -/-/2015, I have maintained part-time enrollment within - University 's - program. - University is located in - -, FL. In early -, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on -/-/15 and -/-/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fa...

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ACS Education Services Student loan can't repay my loan can't decrease my monthly payments

November 3, 2015 - In -/-/-, I took out a few private loans which to help cover the high cost of living in - -, where my school, the - - - - is located ( I earned a - ). These loans were eventually consolidated ( without my consent ) into - large loan which has since been purchased by ACS ( original lender was - - - ). The lender has changed several times during this process but ACS has been the main servicer. Since graduating in -/-/-, I have found work but none of it has paid very well. During this time, I have used as much forbearance, deferment, and income-sensitive...

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ACS Education Services Student loan dealing with my lender or servicer need information about my balance/terms

October 26, 2015 - When beginning my college career at - - University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at - from - to - and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do ...

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ACS Education Services Student loan dealing with my lender or servicer

October 15, 2015 - On -/-/15 I paid ACS education services $340.00 out of my checking account. Instead of taking out $340.00 they took out $680.00. I have called them them twice to inquire about when my monies will be put back in my account and they state 24-48 hours ''. I have yet to see the money in my account. I have other checks outstanding and if they do n't put the money back in my account, i will be penalized by my bank. What they did was theft plain and simple and they are dragging their feet to correct it. My account # is -. ...

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ACS Education Services Student loan dealing with my lender or servicer

October 15, 2015 - I spoke to a collection agent for ACS on - -. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year - it started in - of -, but they have my application date as - - ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through - -. He went took more personal information and went through scriptin...

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ACS Education Services Student loan dealing with my lender or servicer

October 5, 2015 - I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was - points higher than I believed. I hav...

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ACS Education Services Student loan dealing with my lender or servicer

October 1, 2015 - My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to - - - statement to CFPB complaint # -. Her response contradicts how delinquent items are to be reported under the FCRA. My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin - but a forbearance is added on - account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at t...

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ACS Education Services Student loan can't repay my loan

September 22, 2015 - In -, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at - % of level ( fixed ) installment followed by 6 months the monthly payment is at - % of level installment followed by 12 months of interest only payments followed by level repa...

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ACS Education Services Student loan can't repay my loan

July 11, 2015 - While attending - University I was denied federal student grants that i had previously been granted. The next semester I was told I did n't make the deadline for turning the paperwork in even though the paperwork had been continuously sent back for missing information which I had already provided several times. I was forced to apply for a loan with ACS, which totaled - to accommodate the - semesters dues. I was advised by financial aid that i had exhausted my borrowers limit with ACS and I was forced to apply for a private loan and in order to continue my education I took out THIS pri...

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ACS Education Services Student loan dealing with my lender or servicer

July 10, 2015 - From - I attended - -. In -/-/- I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was $5500.00 ( $ - base loan and $500.00 in interest ) The first payment I made was on -/-/-. Fast forward almost - years, I am still paying off this loan. Total payment since inception has been $5600.00 of which only $1500.00 has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today -/-/- is 10.280 %. The minimum payment amount is $55...

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ACS Education Services Student loan dealing with my lender or servicer

July 10, 2015 - Following the complaint I filed last month ( Case Number - ), - - of ACS stated that on - -, 2015 $12000.00 was deposited into my bank account electronically. First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and - - for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the $12000.00 was sent to an account with - - -. I have no - account on file with AC...

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ACS Education Services Student loan dealing with my lender or servicer

July 9, 2015 - I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan - they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment. ...

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ACS Education Services Student loan dealing with my lender or servicer

July 6, 2015 - This was a charged off loan by ACS. After - plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau. ...

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ACS Education Services Student loan dealing with my lender or servicer

June 29, 2015 - My problems with ACS Education Financing are too numerous to summarize effectively but I will try my hardest : Customer ServiceEasily some of the worst I 've ever experienced. Their website is slow and old. I ca n't easily access information such as contact info, documents, payments, etc. It 's a functional atrocity. The only online convenience they offer is payment, but sending in and processing forms must still be done by hand and postal mail. If I need to call they have limited hours, based on eastern time ( So living on the west coast makes it even more inconvenient for me ). If I email, s...

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ACS Education Services Student loan dealing with my lender or servicer

June 24, 2015 - while checking my credit report I found a enquiry about a student loan with ACS Education Services in - -, NY. I call them on - and spoke to - about this matter and she wanted my SSI over phone andni kindly refuse to do so. I explained to here that the pulled a credet enquiry form my credit report and that was not me looking for a student loan, I 've not looking for a student loan from anyone cent in was in bankruptcy chp - ...

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ACS Education Services Student loan can't repay my loan

June 15, 2015 - At the age of - years old, due to my poor decisions in terms of agreeing to take out private loans, and my inability to pay them when I was supposed to pay them, I now currently have - lawsuits against me. - is for a credit card, totaling the amount of - dollars of which I had used to pay off some student loan debt, and the other for the - student loan in the amount of $- dollars. These lawsuits have essentially ruined my credit, have placed me in an impossible position to receive any form of refinance from any lender to lower my outrageously high interest rates with - and...

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ACS Education Services Student loan dealing with my lender or servicer

June 14, 2015 - I am filing a complaint against my student loan creditor ( - - ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me - student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms. ...

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ACS Education Services Student loan dealing with my lender or servicer

June 12, 2015 - I have private law school loans through ACS. I enrolled in Checkmate II '' in order to gain a 0.25 % reduction in my interest and then pre-paid my loans so that the next mandatory payment would be in 2017. Recently ACS changed their system and announced that they would draw monthly funds from my bank account for the pre-paid loans. I complained, as I had pre-paid the loans and the pre-pay status was part of the reason I had done that. ACS agreed to not draw funds for my pre-paid loans, but they also cancelled my enrollment in Checkmate II ( functionally giving me a 0.25 % increase in interest...

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ACS Education Services Student loan dealing with my lender or servicer

June 9, 2015 - I was told that after - on time consecutive payments, my co-signer would be released from my loan. I made the - on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately - years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is ...

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ACS Education Services Student loan can't repay my loan

June 1, 2015 - I am a - who as been in practice - years. My monthly student loan payments are almost - of my monthly income. I struggle to make my payments every month. I am current on my loans and have never missed a payment. When I asked my loan servicer to modify my loan terms, I was told that borrowers can only take advantage of reduced monthly payments for a - year period and this option is only offered once throughout the term of the loan. I understand that servicers have options to modify loans because they do so when borrowers are in default on their loans. servciers should offer these sa...

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ACS Education Services Student loan dealing with my lender or servicer

May 27, 2015 - I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington - -. Please see attached documents. ...

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ACS Education Services Student loan dealing with my lender or servicer

May 7, 2015 - I was a co-maker on the student loan with my son, - -. In - 2015, I refinanced my home to pay of this loan in the amount of $97000.00. On -/-/2015, the loan statement sent by ACS gave a loan balance of $96.00, -. I made a payment on -/-/2015 in the amount of $97.00, - on this loan having refinanced my home. I now have received several calls ( - 2015 and into - -, 2015 ) and bills dated -/-/15 ) stating I owe $530.00. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am v...

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ACS Education Services Student loan dealing with my lender or servicer

May 6, 2015 - - I have sent a copy of my orders to - of my lenders. - of them have deferred my loans until the orders are over. The - is refusing to defer my loans saying that I do not qualify for the benefit. I went to - - School - located at the time in - -, MI. The school is now loacted in -, FL. ...

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ACS Education Services Student loan dealing with my lender or servicer

May 4, 2015 - My student loans are through - and ACS. - is working with me and basing my repayment on income. ACS is not working with me. I signed a statement with ACS that the loan repayment would gradually increase every two years and it had gradually increased. Now, ACS is requiring a 50 % increase in the repayment amount. In my opinion, that is not gradual. ACS states that it is their prerogative to increase and they believe that the increase is gradual. The new amount would equal approximately 25 % of my income. This is in addition to the amount I am already paying -. The increased amount is e...

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ACS Education Services Student loan can't repay my loan

May 4, 2015 - For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( $900.00 and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. I do not wan...

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ACS Education Services Student loan can't repay my loan

April 14, 2015 - I was a first time - student. I was offered a private student loan with similar terms '' to a federal student loan. What was not clearly explained is this loan included compounding interest, not simple interest. And, that there were major restrictions on deferment and forbearance options. Therefore, when I was in school finishing my degree. And, later earning my -, this loan would not defer and had no forbearance options. For a new - student, the loan documents and language were too complex. The ramifications were devastating : An $ 30k loan that doubled to almost $ 60k, then went in...

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ACS Education Services Debt collection disclosure verification of debt not given enough info to verify debt

April 9, 2015 - ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from - -, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated rec...

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ACS Education Services Student loan dealing with my lender or servicer

April 3, 2015 - A loan company by the name of ACS mailed me a letter stating I owed almost 5,000 dollars in student loans to - - -. I have attended classes there but have taken only - - loans which I have paid for. Up until recently I have not gotten notifications of said 5,000 dollar loan and I have not applied to said loan. I looked up Acs and I saw that it was a fraud debt collector and would like to report. ...

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ACS Education Services Student loan can't repay my loan

March 27, 2015 - I attended - - - from -. I took out private loans. I have since been repaying them on time. I only had - six month forbearance for the life of the loan and used that in -. I was laid off last - and was collecting unemployment insurance. That ran out at the end of -. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on - -, - and I spoke to - -. This call took place around - central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forb...

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