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My student loan has been in default for a while. I make very little money and am on medicaid.
Every year or so, the D.O.E. in Texas sends me the financial disclosure form that I fill out to prove I can't pay on the student loan.
About 2 months ago, I got it again, filled it out and sent it in.
I just got a 1 page letter accusing me of never responding, so they say they're going to garnish.
There's nothing in the letter that allows for me having sent it and them not receiving it.
I'm sure they lost or misplaced it.
So besides sending it again, what else can I do?
I sent it, they lost it, not my fault.
Thanks Sabii,
but this didn't help as that was not the question.
The question was:
I can't pay on the loan.
I get periodic paperwork to fill out to prove I can't pay on the loan.
I got the paperwork, I filled it out. I sent it well within the deadline.
Now they say they didn't get it, accusing me of not responding, and intend to garnish.
I sent it, they lost it, but saying I didn't send it.
There is nothing in the letter allowing for them losing my paperwork.
Other than just resending it, what else do I do.
@Waginator wrote:Thanks Sabii,
but this didn't help as that was not the question.
The question was:
I can't pay on the loan.
I get periodic paperwork to fill out to prove I can't pay on the loan.
I got the paperwork, I filled it out. I sent it well within the deadline.
Now they say they didn't get it, accusing me of not responding, and intend to garnish.
I sent it, they lost it, but saying I didn't send it.
There is nothing in the letter allowing for them losing my paperwork.
Other than just resending it, what else do I do.
That's it. You resend it. I would recommend talking to them on the phone to give you time to get it back to them, but while it wasn't necessarily your fault that they didn't get it, it isn't necessarily their fault that they didn't get it, either.
Sabii is correct - if you rehab your loans (which will likely be a $0 payment) and bring them current, you just have to recertify that you don't have higher income to keep your $0 payments, and keeping the loan current would make it possible for it to be discharged after a certain number of payments. In addition, you would have a positive tradeline, which helps your credit history.
I don't know your financial/life situation, but there are also ways to get your loans discharged if you are on disability or have other extreme hardships. You might want to do some online searching/research to see if it's an option for you, and discuss it with appropriate parties (ombudsman, maybe?)
Thanks Calyx and Sabii.
Well, I did as you said, I resent it today at the post office.
When I called this morning I got a big suprise.
All I called for was to tell them that I got a letter stating that I "did not comply" and they did not get the financial disclosure form.
The rep told me that they DID receive it, but that I had to call a collection agency I had been assigned to and make a payment plan.
I tried to explain to her that there was no payment plan, there would be no plan, that's why I'm filling out this paperwork.
If they receved it 4 days after I sent it, they should just process it.
Well she kept insisting that I had to call the collection agency and make a payment plan or they were going to go ahead with the garnish.
This is not right. I am making less than I was even when this started. The procedure is that they send me the form, I fill it out,
I get a letter saying it is approved until they send me the paperwork again.
Now I'm fining out that they assigned me to some agency in 2016 or '17 and I was not informed.
I never got anything in the mail.
I'm pretty sure they're breaking the rules here.
I am NOT dealing with a collection agency.
The Dept of Ed and their collecion agencies are scum and I will not have this.
use registered mail return receipt requested whenever you use snail mail for student loan stuff
it's a little more costly, but worth it in the longrun
Yes this time I did. But they admitted they got it. These people are not equipped to do anything other than work off of a limitied flow chart--
Handle the issue there or refer back to another entity.
Since I didn't get a letter from a collection agency, and the issue at hand is receipt of my financial disclosure paperwork, I will not discuss a collection agency in relation to the matter.
I will not deal with a collection agency. I have the right to deal with the D.O.E. only if I want.
I am poor and on medicaid.
I have the right to be informed well in advance of any considered action.
This system is disgraceful and I will not have it.
I am just a kid that wants to go to college and get an engineering degree. It's disgusting to treat a college kid this way.
I have always filled out the proper paperwork.
I have been looking for a better job for a long time now.
I was exempt from garnishment before, and now that I am on medicaid, my income is even less than before!
I'm just a prospective college student seeking to get an engineering degree. I shouldn't have to deal with this harassment.