AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

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

The payment website for servicer, American Education Services " AES '', is confusing and when you pay it is not clear how your payment is being allocated to the various loans that they have under their servicing scope. This has majorly impacted my credit reporting as I have struggled to keep up and often would pay intending to have the payment applied to the appropriate loan to avoid adverse credit reporting. Additionally, I just received error notices on the handling of the account from AES and have uploaded copies for your reference. Lastly, I received conflicting information regarding workout programs available to me as a borrower. I submitted a request for short-term loan workout assistance due to hardship at the end of 2015 and was approved. They forwarded a package to me to have returned for long-term loan workout assistance request. I did not receive this package to be able to return it timely. I requested another to be sent and was declined that option as I missed a " window '' for return that was never conveyed to me. Further, I was told that I could not be reviewed for short or long-term loan workout assistance until 12 months of payments were made following this debacle. I request a full review of the account, AES to update their website for transparency around general payment applications ( this is critical when there are potentially several loans serviced with multiple due dates ), AES to review general payment practices ( the general payment should cover the most delinquent or the earliest due amounts ), removal of all alleged late payments ' credit reporting from my account, and alteration of existing borrower hardship loan workout assistance practices. Thank you for your time, consideration, and assistance. Feel free to reach out to me with any questions or if any additional support is needed.