Complaints

This profile includes complaints for Nelnet - National Educational Loan Network's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Nelnet - National Educational Loan Network

  121 S 13th St # 201 Lincoln, NE 68508-1911

  
• 

  Great Lakes Educational Loan Services, Inc.

  2401 International Ln Madison, WI 53704

• 

  Nelnet Loan Services

  PO Box 64692 Saint Paul, MN 55164

• 

  Nelnet - National Educational Loan Network

  12165 W Center Rd Omaha, NE 68144-3962

  
• 

  NelNet Corporation

  8425 Woodfield Crossing Boulevard #401 Indianapolis, IN 46240

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dispute letter: Family Education Rights Privacy Act (FERPA) strictly prohibits unauthorized access, modification or deletion of student records without explicit consent of the student or borrower only. NelNet's failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. I am formally escalating my issue and would like the following action immediately: 1. Comprehensive investigation into the unauthorized access of my student loan records 2. Fully documented result of the investigation 3. Written summary detailing your findings. This is a breach of privacy and demands immediate attention

  

  Business Response

  Date: 03/26/2025

  Pertaining to ****** ******** federal student loan account, we reviewed their concerns and provided the attached response.We are writing in response to the inquiry you submitted to the Better Business Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of Education (ED), we service your federal student loans. We take your concerns seriously and appreciate the opportunity to respond.
  Your concern, as we understand it, is you believe that we are violating your consumer right to privacy pursuant to the Family Educational Rights and Privacy Act (FERPA). You are requesting to have these federal student loans deleted from your credit files.
  FERPA applies to schools that receive funds under an applicable program of ED and does not apply to loan servicers. In accordance with our agreements with ED, we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information. Enclosed is a copy of ED’s privacy notice, which states that for everyday business purposes – such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus, we do share your information, and you may not opt out of this sharing.

  Customer Answer

  Date: 03/26/2025

  NelNet is a loan servicer, which they're saying the FERPA guidelines don't apply to. However, I have not authorized them, as a loan servicer, to access any of my personal information that was provided directly to the school. So, I'd like a complete, detailed summary of exactly where they were authorized to get my information from and where I authorized them to turn my information over to any of the primary or secondary credit bureaus.  
  

  

  Business Response

  Date: 04/03/2025

  Pertaining to ****** ******* federal student loan account,
  we reviewed their concerns and provide the attached response.Dear *******
  We are writing in response to the inquiry you submitted to the Better Business Bureau regarding
  your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of
  Education (ED), we service your federal student loans. We take your concerns seriously and
  appreciate the opportunity to respond.
  Your concern, as we understand it, is you have not authorized Nelnet to access your personal
  information that was provided to the school and to provide information to the credit bureaus.
  We currently service your federal loan on behalf of ED. In accordance with our agreement with ED,
  we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair
  Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate.
  Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you
  certain choices with respect to the use and sharing of your personal information. Enclosed is a copy
  of ED’s privacy notice which states that for everyday business purposes, such as to process your
  transactions, maintain your account(s), respond to court orders and legal investigations, or report to
  credit bureaus, we do share your information, and you may not opt out of this sharing.

• Initial Complaint

  Date:03/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Nelnet reported missed payment 6-7 times to the credit bureau for 1 consolidated loan. If a missed payment took place it should have been 1 missed payment reported, not multiple. The pay back method consolidates to one amount, not 6-7 small amounts. What they are doing is predatory.
  I’m asking that nelnet rectify this error by replacing multiple missed payments reported, down to 1 accurately reported missed payment.

  

  Business Response

  Date: 03/26/2025

  Pertaining to ***** ****** federal student loan account, we reviewed their concerns and provide the attached response We are writing in response to the inquiry you submitted to the Better Business Bureau regarding
  your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of
  Education (ED), we service your federal student loans. We take your concerns seriously and
  appreciate the opportunity to respond.
  Your concern, as we understand it, is we reported your delinquency seven times to the consumer
  reporting agencies (CRAs). You believe it should only be one missed payment because the loans
  are consolidated. You are asking us to make a correction to the CRAs.
  The National Student Loan Data System (NSLDS), ED’s central repository for federal student loan
  information, confirms we currently service seven Federal Direct Stafford Loans for your education at
  the University of Ca********* ******* *** *** ******* ****** ******** ** ** ***** *** ***** *** *****
  *** *** ************* **** *** ********* ** **** ******* *** *** *** *** *** *** *** *** ***
  **** **** *********** ****** ***** ********************* ****** ******* ** ******** ** ** ****** **
  *********** *** ***** ** ** *** ********* ** **** ** ***** **** ***** ***** *********** ****
  ********* **** *********
  ** ****** ** *** ** ******* **** ******* **** ** *** ***** ***** *** **** ****** ********* **** **
  **** ** ********** ** ****** **** ** ******* ** ******** *** ********* ******* **** ******* **
  **** ** ** ***** ****** ** *** ********** **** ** **** ** **** ***** **ans.

• Initial Complaint

  Date:03/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have worked for ****** ******** ****** ****** ***** *or over 14 years and had my student loan forgiven years ago only to find out last month that it was bought by Nelnet and put back on my credit report dropping it down by a whopping 150 points. This error not only crippled any chance of me getting any kind of additional credit, but it also inhibited me from getting a lease on a previously approved apartment.
  
  I have documents stating my good past payments on my student loan for years and my sudden drop in my credit score due to this error. I am also asking that I get compensated for the loss of the lease I was previously approved for of $3,600 for $1,800 a month.
  
  This error has caused me much stress and I would like this student loan account removed from my credit report as soon as possible. I recently lost my transportation and just found out I can no longer get a previous preapproval of a car purchase as before.
  
  Please let me know when this error is fixed or if I need to seek legal assistance in this matter.

  

  Business Response

  Date: 03/27/2025

  Pertaining to ********* *****' federal student loan account, we
  reviewed their concerns and provide the attached response.As we understand it, you assert your federal student loans were forgiven years ago and have been recently added back to your credit report. You’re asking us to remove your loans from your credit report and restore your credit score.

• Initial Complaint

  Date:03/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Nelnet failed to contact me about over due payments. They had the wrong phone number in file and they never sent me emails about my over due balance.

  

  Business Response

  Date: 03/26/2025

  Pertaining to ****** ******** federal student loan account, we reviewed their concerns and provided the attached response.Your concern, as we understand it, is that you assert Nelnet did not contact you regarding late payments. Nelnet had the wrong phone number on filed and did not send any emails. You are asking that late payments to be removed from your credit files

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 7, 2025, a data breach exposed my personally identifiable information (PII), including sensitive federal student loan details managed by Nelnet. This breach was beyond my control and has placed me at risk for identity theft, financial fraud, and credit damage.
  
  I was not notified in a timely manner, and despite reaching out to Nelnet for clarification and resolution, I have not received adequate support or assurances regarding the protection of my information. Given the severity of this breach, I am seeking:
  
  Full discharge of my federal student loans due to the unauthorized exposure of my private information.
  Credit monitoring and identity theft protection at no cost to affected borrowers.
  A full investigation and accountability for the mishandling of borrower data.
  Nelnet has failed to properly safeguard my information, and I am requesting that they take full responsibility for the harm caused by this breach.
  
  I urge the Better Business Bureau to assist in facilitating a resolution to this matter.

  

  Business Response

  Date: 03/24/2025

  Pertaining to *********** *********** federal student loan account, we reviewed their concerns and provide the attached response We are writing in response to the inquiry you submitted to the Better Business Bureau regarding 
  your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of 
  Education (ED), we service your federal student loans. We take your concerns seriously and 
  appreciate the opportunity to respond. 
  Your concern, as we understand it, is you believe your educational records and other personal data 
  were compromised due to unauthorized access to your records. You are concerned about the 
  impact to your privacy. You are requesting a formal investigation and for your federal student loans 
  to be discharged. 
  Nelnet, as a contractor to ED, is committed to adhering to all applicable laws and regulations 
  concerning the management of customer data. Nelnet has not engaged in any activities that would 
  expose data through unauthorized or unlawful means. We are contractually obligated to comply with 
  federal government and ED record retentions laws and standards, including the Privacy Act of 1974. 
  Nelnet, as a contracted entity, is not permitted to copy, delete, archive, or transfer borrower data 
  without the prior written consent from ED. Such consent is granted only when lawful and necessary. 

  Customer Answer

  Date: 03/24/2025

   
  
  Complaint: ********
  
  
  
  Nelnet's response fails to adequately address my concerns regarding the February 7, 2025, data breach that exposed my personal and financial information. The company denies responsibility for any unauthorized access to borrower data, yet I, along with other affected individuals, have experienced a violation of privacy that puts me at risk for identity theft and financial fraud.

  
  Additionally, Nelnet did not provide any meaningful resolution to my request for loan discharge, nor did they offer credit monitoring, identity protection, or an independent investigation into the breach. Simply stating their compliance with regulations does not negate the fact that my private information was exposed through no fault of my own.

  
  I continue to request:
  A full discharge of my federal student loans due to the data breach.
  Free credit monitoring and identity theft protection for all affected borrowers.
  A formal investigation into the breach and accountability for those responsible.
  I respectfully ask the BBB to escalate this complaint as Nelnet has not provided an adequate resolution.

  *********** *********

  

  Business Response

  Date: 04/01/2025

  Pertaining to *********** *********** *ederal student loan
  account we reviewed their concerns and provide the attached response. We are writing in response to the inquiry you submitted to the Better Business Bureau regarding
  your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of
  Education (ED), we service your federal student loans. We take your concerns seriously and
  appreciate the opportunity to respond.
  Your concern, as we understand it, is you believe your educational records and other personal data
  were compromised due to unauthorized access to your records. You are concerned about the
  impact to your privacy. You are requesting a formal investigation and for your federal student loans
  to be discharged.
  As you are aware, we previously responded to your similar concerns on March 24, 2025. We
  previously explained Nelnet’s role as the loan servicer on behalf of your lender, ED, and how it
  pertains to records retention. We also advised we can only discharge loans under programs
  established under statute and only when a borrower meets all program requirements. ************* ** ******** *********** ** *** ******* *** ** **** *** *** ****** *********** ****** *** ******* **** ******* ******** ********** *** *********** ******* ***** *** ** ******* *********** ** *** **** ******** ********* ** ******** ***** **** ******* ***** ************** ******** ******* ************ ********* ******* ***** **** ********** ******** *** ***** *********** ** *** **** ******** ********* ***** **** ******** ****** ******* ** ***** *** *********** ****** ** *** **** *** ***** ********** *** *** **** ** ** ************ **** * **** ** ** **** ********* ******* * **** ** * **** ******* ******* ******* *** ** **** ** * **** ********* *** *** **** **** ** * ****** ***** ******* **** ********************* ******** **********

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Nelnet,
  
  I am writing to formally request the full cancellation of my student loan debt due to violations of my rights under the Family Educational Rights and Privacy Act (FERPA). My personal and financial data has been compromised, directly impacting my privacy and financial security.
  
  Under FERPA, my educational and financial records should have been protected from unauthorized access, yet a breach has occurred, putting me at risk. Given the severity of this violation and its potential consequences, I request immediate action to discharge my student loan debt in full.
  
  Please provide a written response confirming the steps your office will take to process this request. If additional documentation or steps are required, kindly inform me at your earliest convenience. I expect a resolution in accordance with federal protections and consumer rights.
  
  Thank you for your prompt attention to this matter. I look forward to your response.

  

  Business Response

  Date: 03/26/2025

  Pertaining to ******** ********* federal student loan account, we reviewed
  their concerns and provide the attached response.Your concern, as we understand it, is you believe your educational records and other personal data
  were compromised due to unauthorized access to your records. You are concerned about the
  impact to your privacy. You are requesting a formal investigation and for your federal student loans
  to be discharged
  

• Initial Complaint

  Date:03/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with DEPTEDNELNET. I do not have a contract with DEPTEDNELNET. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 03/25/2025

  Pertaining to Gaseby Barthelemy‘s federal student loan
  account we reviewed their concerns and provide the attached response. On behalf of ED, we service your federal student loans. Your account is in repayment and is
  presently 154 days past due for $2,963.86. As of March 25, 2025, your outstanding balance is
  $58,589.54. Of that balance, $47,644.92 is principal and $10,944.62 is interest. You are currently
  enrolled in the Income-Based Repayment Permanent Standard Repayment Plan. You may view
  additional detailed loan information through Nelnet’s website, ********************** *** ****
  ******** ***************

• Initial Complaint

  Date:03/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Due to their error they have destroyed my credit. I was supposed to be put on a 0 payment plan and a few days ago I woke up to my credit being damaged by over 100 points. One of their employees apparently did not enter something correctly. The last rep i spoke with stated that it is in the notes that I was supposed to be on the program. They said they can't fix it now and nothing they can do but put me on a program now. This has lead to destroyed my %100 on time payment history and they are not willing to fix their wrong. From the reviews I have read on here it seems to be a on going issue.

  

  Business Response

  Date: 03/27/2025

  Pertaining to ******* *********s federal student loan account,
  we reviewed their concerns and provide the attached response.We are writing in response to the inquiry you submitted to the Consumer Financial Protection
  Bureau (CFPB) regarding your federal student loan account with Nelnet. On behalf of your lender,
  ED, we service your federal student loans. We take your concerns seriously and appreciate the
  opportunity to respond.
  **** ******** ** ** ********** *** ** *** ***** **** *** ** ** ***** **** ****** *** **** **********
  *** **** ******** ** ** ** * ***** ******* ***** *** *** ****** ** ** **** * ********** ** ****
  ****** *******
  ** *** ********* ** *** *** ******* ******* ***** **** ****** ** *********** *** ** *** ********
  ******** ********* **** ***** *** ***** ******* ****** *** ***** **** **** ***** ******** **
  ********* ** ********* ***** **** **** ******** *** **** ******* ********* ** **** *********
  ************ ****** ** ********* ** ******* ***** ** ******* * ********* ******* ****** *******
  ********* *** ***** **** ******** ******* ****** ********* ********* **** *** *****
  ************ ** ******* ***** ** ******* ********* ********* ** ******** ****** ********* ***
  ********** ********* *** ** ********* ************** *********** ***** ** **** ** *********** **
  ***** *** ******* ** ** ***** ******* *********** ***** ** ********* *** *****
  ** **** ******** * **** ** **** ********************* ******* *** **** ********
  **** ***** ******* ** ****** *** *** ** ******** *** ***** ***** *** ******** ********* *****
  ******** ** * **** ** **** ******* ********* ***** ******* *** *****
  ***** *** **** ****** ********* **** ** **** ** ********** ** ****** **** ** ******* ** ********
  ********* ******** ****** ** ******** *** ********* ***** ** **** ******* *** *** *********** ***

  Customer Answer

  Date: 04/04/2025

   
  
  ********** ********
  
  
  
  I am rejecting this response because:
  

  When i spoke with the first rep that was supposed to get me into the program that required the info from me said I would have to mail the forms sent out which I did. Since it never reached you I was not aware until my credit was hit for being delinquent. I was not told that I could get online to just upload information.  I uploaded information that was requested the last time I spoke with your rep. I previously had the same issue with your company years ago as well. I have all the unemployment information needed and can send as requested or upload the information since I was now aware I could do so. Everything is backdated and should have the 3 months of miss payments removed from my credit history. With the issues of being misinformed should not be my fault.  It has destroyed my 100% payment history to all my obligations.  Why would I intentionally destory that?
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:03/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  It is literally impossible to get into my account. When I try requesting my username and I enter my social and DOB it says my information does not match any records YET YOU REPORTED MY LOANS AS DELINQUENT AND TANKED MY CREDIT SCORE. So clearly you have my information!! Then both emails don’t work apparently and trying to get someone on the phone is impossible. This is wrong, truly, truly wrong. My life is literally over because of yall. My credit score that I had been rebuilding just ruined just like that. Yet apparently you have ZERO record of my literal social and DOB but had NO problem reporting me to credit agencies. Truly disgusting.

  

  Business Response

  Date: 03/19/2025

  March 19, 2025
  ****** **********
  **** ***** ******
  Fort Worth, TX 76164
  
  Account: **********
  
  Dear *******
  
  We are writing in response to the inquiry you submitted to the Better Business Bureau regarding
  your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of
  Education (ED), we service your federal student loans. We take your concerns seriously and
  appreciate the opportunity to respond.
  
  Your concern, as we understand it, is that your loans were reported as delinquent and it ruined your
  credit score. You cannot access your account online. You are asking us to fix your credit score.
  
  Based on your concern, and our review of your account, we verified you spoke with a representative
  on March 18, 2025. They assisted you with your login information, so you were able to access your
  account online.
  
  Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer
  reporting agencies (CRAs) is complete and accurate. Based on your request and the information you
  provided, we carefully reviewed your concern, and the corresponding data furnished to the CRAs.
  Our investigation indicates the data accurately reflected your loan status at the time it was furnished.
  Due to the continued delinquency occurring on your loans, the data we furnished February 2025
  reflected your past due status. On March 18, 2025, your account was no longer past due because
  you requested a forbearance which brought your account current.
  
  While your loan was in repayment, we sent you billing statements each month. When your account
  became past due, we also tried to reach you in other ways such as calling and sending email to help
  bring your account up to date.
  
  If you disagree with our initial decision, please send us new information including the basis of your
  dispute and supporting documentation to the address in this letter. Please be sure to include your
  account number.
  
  **** *** ***** | Lincoln, NE 68501 | * ************ | f ************ | ************************** | *********************
  
  If you have any other questions, you may call us at ************ from 8 a.m. to 9 p.m. (Eastern)
  Monday, 8 a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday. You
  can also send a secure email through your ********************* ********
  
  Sincerely,
  
  ***** **
  Nelnet

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have contacted them at least 3 times now. one I requested a history of all the payments I have made on my loans because my information was sold to them from great lakes I am not able to access information. Instead they sent me a letter showing all of my loans that have been discharged, Second every time I call I ask why they have not updated the credit bureau I have spoken with the Department of education and even on their website it shows my current balance is 79,000. They are showing I owe : $200,178 which is extremely off this effects my debt to income ratio and lowering my score. CSRS when I call say they dont know who I would speak to for that to be corrected. ON my credit report they are showing as the debtor so they are responsible according to the department of education for updating this.

  

  Business Response

  Date: 03/26/2025

  Pertaining to ******* ****** federal student loan account, we reviewed their concerns and provide the attached response As we understand it, you have contacted us multiple times to request a payment history from your
  previous servicer, ***** ***** *********** **** ***vicing Inc. (GLELSI). You are also concerned
  about the balance that is being reported to the consumer reporting agencies (CRAs).
  We apologize for the frustrations you experienced. We currently service your Federal Direct
  Consolidation Loans and Federal Direct Stafford Loan. ED transferred these loans to us for servicing
  on April 18, 2023. The loans are utilizing the borrower defense to repayment forbearance while ED
  reviews your request for loan discharge. T** *********** ** ********* ** *** ** **** *** *****
  ** ******** **** ******* *** ********* **** * ***** ******* *** ******** ** ******** *** *****
  ***** ********** * ******* ** **** ***** ********* ***** *** *****
  ** ****** ** *** ** ******* **** ******* **** ** *** ***** ***** *** **** ****** ********* **** **
  **** ** ********** ** ****** **** ** ******* ** ******** *** ********* ** ******** *** ***** *
  ****** *********** *** ***** ** **** ******* ** *** ********* ** ***