I have student loans that I’ve had on an Income Driven Repayment Plan.
When I found out my job was ending in September, I applied for them to be recalculated and included my severance letter.
A month passed, and I was starting to be suspicious.
I called. The paperwork had hung because my husband’s proof of income didn’t say ‘Gross’ on it. They didn’t mail me anything to let me know.
I faxed a new version in.
I called the next day to check that they received it, and the gentleman on the phone said he attached it.
All is well and good.
I got a bill for the full amount because I didn’t get it in before that month’s bill was calculated. Note that this was FIVE TIMES the size of the payment I had… when I still had a job.
Now I don’t have a job, and it was a scramble to find the money.
I called to follow up, and the lady said they had 20 days to process paperwork.
Okay. I waited.
I called to follow up.
The lady on the phone was awful and basically said that I hadn’t faxed it in because she couldn’t find it in THE most condescending way.
There were rage tears.
I faxed the second version of my husband’s paperwork immediately after talking with her.
I called to follow up two days later.
My paperwork was more than 90 days old so I needed to resubmit. The gentleman also told me to suspend my payment and how to do that.
I tried to suspend the payment – it wouldn’t do it. I can try again on the 20th.
I filled out the paperwork again, and at the end it told me ‘click here to review, print, sign, and mail in’. I did. It took me to a page that had the different applications listed, and they all had links to print EXCEPT the one I did.
I tried to go back to access what I had filled out. The page crashed.
My husband tried to go in and do his part – it wouldn’t let him.
I took screen captures of all of the parts that didn’t work, found a blank form, filled out the form by hand, and put it in the mail with proof of income for my husband. AGAIN.
I am so frustrated it isn’t even funny.
I started this before I even lost my job, and it has been three months of infuriating paperwork snafus.
I keep records, and I’m good about following up. THIS SHOULDN’T BE SO HARD.
So, that’s my gripe for the day.