Student Loan Servicer Refuses Repayment Plan Options While Co-signer Faces Lawsuit
A Sallie Mae borrower injured and unable to pay was denied income-based repayment options despite documented hardship, resulting in the co-signing parent being sued. The servicer's refusal to engage in payment arrangements despite stated inability to pay reflects systemic student loan servicing dysfunction requiring regulatory enforcement.
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Similar Problems
surfaced semanticallyPrivate Student Loan Servicers Refusing Hardship Pauses for Unemployed Borrowers
Private student loan servicers deny temporary payment pauses to borrowers who have lost jobs, unlike federal loan servicers who offer income-driven and hardship options. Borrowers facing loss of income face double payments with no relief path, putting basic living expenses at risk. Co-signers are also unable to provide relief, leaving borrowers trapped.
Private Student Loan Borrowers Have No Income-Driven Repayment Options
Private student loan borrowers are systematically denied income-driven repayment plans and pushed into forbearance, causing interest capitalization that dramatically increases total debt. Unlike federal loans, private lenders have no obligation to offer flexible repayment and exploit borrowers with no alternatives due to poor credit. This structural gap affects millions of borrowers.
Student Loan Co-Signer Loses Portal Access and Autopay After Borrower Bankruptcy
When the primary borrower files for bankruptcy, servicers cancel co-signer autopay and revoke online portal access without notice, leaving co-signers unable to make payments or view account status while remaining legally liable.
Student Loan Servicer Continues Harassment After Payment Modification
Sallie Mae continues excessive collection calls against a borrower after agreeing to a modified payment arrangement. Servicers routinely fail to synchronize collections activity with loan modification status, leaving borrowers in legal limbo.
Student Loan Servicers Misprocess Payments and Fail to Communicate
Student loan servicers create payment processing errors that result in misapplied or lost payments, often without proactive notification to borrowers. Borrowers discover problems only after receiving delinquency notices, at which point credit damage may already have occurred. Servicer customer service is difficult to reach and slow to resolve disputes for an obligation borrowers cannot easily transfer.
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