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FFEL Borrowers Are Being Denied Access to PSLF and IDR Account Adjustment Response Form

The Student Borrower Protection Center is concerned that student loan companies collecting on federal student loans in default are breaking the law. In May 2021, Guidance from the Department of Education (ED) directed these companies, known as The Student Borrower Protection Center is concerned that student loan servicing companies are misleading Federal Family Education Loans (FFEL) borrowers about their eligibility for Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR) Account Adjustment. Since the Department of Education announced the temporary PSLF Waiver on October 6, 2021, FFEL borrowers have been eligible to consolidate their older loans into a new Direct Consolidation Loan and count payments made prior to consolidation towards the total 120 payments needed to qualify for PSLF and towards the 20-25 years of payments required for IDR relief.

If you are a borrower who was told not to consolidate your loans or that you would lose previous credit towards PSLF or IDR if you did so—we want to hear from you.

Please fill out the form below if you are a borrower who has attempted to consolidate your student loans since October 6, 2021, and were told not to consolidate by your student loan servicing company. 

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