Paid On Time, Still Marked Late — Aidvantage Issue

I made a payment on my student loans on January 1, 2026, with a due date of January 2. I received an email confirming that the payment was received. However, on January 6, I received another email stating that my account was past due.

I immediately logged into my Aidvantage account to investigate. The January 1 payment was not showing at all—there was no posted payment and not even a “pending” status. I then checked my bank account and confirmed that the payment had been successfully withdrawn from my account on January 6.

I called Aidvantage to ask why the payment wasn’t showing on my account and why I was being marked late. The representative said she could see the payment confirmation but could not explain why it wasn’t appearing on my account. She told me she would escalate the issue and removed the four days past due from my account. I also sent her a screenshot from my bank showing the payment was completed.

After placing me on hold for about 15 minutes, she returned and stated that she had just been notified that my bank reversed the payment. This was very concerning, as I had just provided proof that the payment had posted. I immediately contacted my bank, and they confirmed no reversal had been made. They also explained that if a reversal did occur, it would take 1–2 business days for Aidvantage to be notified—yet the Aidvantage representative claimed this happened during our 45-minute call.

Despite this, the first Aidvantage representative told me my account was now current and that my next payment wouldn’t be due until February. While that resolved the past-due notice, it did not answer the most important question: where is my January payment?

I called Aidvantage again to explain that the bank confirmed no reversal occurred and that my payment still needed to be applied to my account. I was told the issue would be escalated for research as a missing payment and that I should check back in a few days.

At this point, I am hesitant to make future payments online. Someone clearly made an error, and what’s most frustrating is that the situation was framed as if it were my fault simply because I made my payment on January 1—which was still before the due date.