MOHELA

Struggling to repay your loan: Student loan

The issue involves systemic failures regarding loan administration and the accurate tracking of repayment and discharge statuses. Specifically, there has been a failure to implement mandated loan discharges, a failure to properly process Public Service Loan Forgiveness ( PSLF ) and Income-Driven Repayment ( IDR ) applications, and the generation of incorrect billing amounts. These actions led to the false belief that my loan balances, forgiveness tracking, and credit reporting were being handled accurately and lawfully. 2. Who or what provided you with this information or concealed it from you? Draft Answer : MOHELA ( Higher Education Loan Authority of the State of Missouri ), acting as the designated loan servicer responsible for managing the accounts associated with my enrollment. 3. When and where were you told this information? Draft Answer : This occurred ongoingly throughout the loan servicing and repayment period, specifically when reviewing monthly billing statements, checking account statuses on the online servicer portal, and reviewing consumer credit reports. 4. How was the information communicated to or concealed from you? Draft Answer : The information was communicated via official billing notices, account statements, digital correspondence inside the servicer portal, and through the tradeline data furnished directly to major consumer reporting agencies. 5. How was the information false or misleading? Draft Answer : The information was false because legally canceled or discharged debts continued to be reported as active obligations, application processing windows for IDR and PSLF were misrepresented or delayed, and billing amounts were inflated. This is documented by ongoing regulatory scrutiny and active class-action litigation targeting these exact systemic errors. 6. Was the information the basis of or important to your decision to attend the school? Draft Answer : ( Note : You must select Yes or No. Because loan servicing happens after enrollment, it is difficult to argue it affected your initial choice to attend. If you select No, you can state : ) No. The servicing and administration errors occurred after my enrollment period and did not dictate my initial decision to attend, but they have fundamentally altered the financial terms of the debt associated with my attendance. 7. Has the information provided to, or concealed from, you caused you harm? Draft Answer : Yes. It has caused direct financial harm, including inflated loan balances, extended periods of uncalculated repayment progress toward forgiveness, and inaccurate delinquency reporting on my consumer credit files, which negatively impacts my credit scores and borrowing capacity.