{"id":1258,"date":"2018-01-23T22:50:20","date_gmt":"2018-01-24T04:50:20","guid":{"rendered":"http:\/\/fitbuxarticles.fitbux.com\/?p=1258"},"modified":"2023-10-09T07:39:00","modified_gmt":"2023-10-09T12:39:00","slug":"student-loan-servicer-nightmare-fitbux-can-help","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/student-loan-servicer-nightmare-fitbux-can-help\/","title":{"rendered":"FitBUX As Told By A Member"},"content":{"rendered":"
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FitBUX as told by a FitBUX member. We can help you too.<\/h1>\n

The story below is from an existing\u00a0FitBUX member,\u00a0Landon Pillsbury, PT, DPT from Omaha, NE.\u00a0We’re very glad we could help.<\/h3>\n

If you need help figuring it all out, simply join FitBUX here<\/a><\/span> <\/strong>and schedule a free coaching call. If need be, we can get on the phone with you and your servicer to sort things out. This is a free service.<\/h3>\n

(Slightly edited and shortened for clarity only.)<\/p>\n

===<\/p>\n

In November when my federal loans were entering repayment, my loans were transferred from Navient to FedLoan Servicing because\u00a0I am repaying my loans under the PSLF.<\/p>\n

I was already approved for the PAYE income-based repayment plan<\/a> for $0\/month<\/strong> for a year (I’m completing a residency program so I make fairly little compared to other new grads).<\/p>\n

I received a weird email stating “You may qualify for lower payments on some of your loans!”<\/strong> If I did the math correctly, this is impossible considering you cannot pay less than $0. Turns out, about\u00a0half of my loans didn’t transfer properly over from Navient on my IBR<\/strong>. I had to call and ask why, and after 2 different representatives and about 1.5 hours on the phone<\/strong>, no one knows why. One lady tells me that she can request that the loans be added to my already accepted IBR because it’s within a certain amount of days. “In\u00a07-10 business days you should see the shift,” she said.\u00a0<\/u><\/u><\/p>\n

A month goes by<\/strong>, no change on my profile. I call again<\/strong> to figure out what is going on. Apparently, it was held up in limbo for some reason, and the new lady says she will make it a priority case (since now I have a bill on my federal loans for $800+<\/strong> even though I’m approved for an IBR payment of $0).<\/p>\n

She says that “nothing<\/strong> can be done about this month<\/strong>‘s bill because its already been billed, but I can be on an ‘administrative forbearance'”…..<\/a>.I may have\u00a0accidentally\u00a0shown my frustration about this verbally\u00a0more than I should have. Especially when\u00a0this obviously will not be a\u00a0qualifying payment,\u00a0and I lose my qualifying payments for the\u00a0months of November and December on the PSLF and IBR.\u00a0She didn’t even think this as an issue even though she’s a “PSLF” specialist”.<\/p>\n

When I am asking about what else\u00a0can be done, considering I am making far less than what I intended during this year of residency when I SIGNED these promissory notes and this is not even my fault, she states, “Well when you sign the promissory notes on these loans, it is expected that you are able to pay the payments regardless.”<\/p>\n

I immediately had to correct her unprofessional comment and\u00a0asked to be transferred to a supervisor after letting her know I did not appreciate her\u00a0essentially brushing off my right to take advantage of repayment programs specifically made for people in my situation.<\/p>\n

Supervisor says that my loans can be transferred no problem<\/strong>, they just didn’t have the correct application from StudentLoans.gov and he would get it taken care of.\u00a0<\/u><\/u><\/p>\n

Monday<\/span><\/span>\u00a0the following\u00a0week comes, still no change<\/strong>. Talk to a supervisor’s supervisor….. Apparently, this month’s forbearance can be overridden using a PSLF override once the dust settles. He isn’t\u00a0sure why I got a payment of $0 in November, but now it’s being billed and the loans aren’t on my PAYE\/IBR.<\/p>\n

He seems calm about it and says not to worry. It will be approved for the override no problem. Once my loans get added to my preexisting IBR, call back and we will get it sorted out. Later that week,\u00a0I get all of my paperless inbox messages from FedCROOK Servicing<\/strong>…. ALL of my loans were switched to a standard repayment!!!!!<\/strong> One of the messages says I can save by applying for an IBR….. Fuming….\u00a0<\/u><\/u><\/p>\n

Eventually, I call (once again for about 2 hours total<\/strong> to get to the right people) to get everything figured out.<\/p>\n

I explained my story similarly and\u00a0told them that if it’s not taken care of appropriately before my payment goes through then I will have to contact someone outside of their company to figure out what is going on as I cannot keep spending my time on the phone like this when it gets nothing done.<\/p>\n

Mind you, at this point, I have spent a total of 6-7 hours on the phone<\/strong>\/holding over this situation. They immediately told me they are on it and will get things done that afternoon, and I even received a phone call from the supervisor I spoke to later that evening telling me it is taken care of, which it was when I logged in.<\/p>\n

IT TOOK THREATENING THEM TO GET IT DONE BEFORE MY DECEMBER PAYMENT WENT THROUGH!\u00a0<\/strong><\/u><\/u><\/p>\n

Moral of the story,\u00a0If I had not been diligent and paying attention, I would have missed a payment, gone into forbearance, or had far more issues had it not been taken care of promptly.<\/span><\/strong><\/p>\n

To start this fiasco,\u00a0I got an email about how I can make smaller payments on my loans, but NOT A SINGLE email that my loans had a due payment….. I had to get to supervisors 3 separate times to basically tell them exactly what was going wrong with my loans each time in order to get it sorted out and explain to them why I am pushing for the corrections to be made as they kept brushing the urgency of the situation under the rug.<\/p>\n

Thank god I have\u00a0talked with Joe Reinke from FitBUX, and have access to the FitBUX platform to\u00a0 know what I’m talking about as well as my FitBUX Coach’s expertise because\u00a0it could have easily been too late and “my fault.”\u00a0\u00a0<\/strong><\/span><\/u><\/u><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

FitBUX as told by a FitBUX member. We can help you too. The story below is from an existing\u00a0FitBUX member,\u00a0Landon Pillsbury, PT, DPT from Omaha, NE.\u00a0We’re very glad we could help. If you need help figuring it all out, simply join FitBUX here and schedule a free coaching call. If need be, we can get […]<\/p>\n","protected":false},"author":1,"featured_media":1253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[185],"tags":[145],"class_list":["post-1258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan-forgiveness","tag-student-loan-forgiveness","post-wrapper","thrv_wrapper"],"yoast_head":"\nFitBUX Helps Another Student Loan Borrower<\/title>\n<meta name=\"description\" content=\"Everyday FitBUX helps borrowers deal with the nightmare of working with student loan services. 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