Has anyone been able to get through to a human at FSA today, or at all recently? I don't know if it's because of the mass firings, the move to Treasury, or what, but I've tried to reach someone at FSA multiple times recently during business hours, only to be told that they are closed because it is "outside business hours," at which point I am summarily disconnected (today this was at 6 pm EST, when they're supposedly open till 8:00 pm EST).
What is really upsetting is the multiple, egregious errors on my account. First of all, when I call in, the automated system states, "According to the records associated with your phone number, your loan servicer is Navient. Is that correct?" Um, nope, since Navient was barred from servicing ANY federal loans in 2025. How could they possibly make that serious of an error?
I've been trying to call Aidvantage as well but likewise can't get through. A few days ago I got an email from FSA saying I need to submit my IBR renewal "soon" or be kicked off, because I hadn't opted in to automatic renewal – which was patently false. I had explicitly selected automatic renewal. But my plan doesn't renew for 4 more months. Are we supposed to reapply every 6 months?!
The cherry on top is that FSA shows I'm simultaneously in two different repayment plans for the same loans (both Graduated and IBR), with the same renewal date. But I have not been on a graduated repayment plan since I graduated in 2004!
On top of that, FSA shows I consolidated in 2014, although the last time I consolidated was in 2007. I asked Aidvantage for the records on that, but they have none, and referred me back to FSA. Nonetheless, my payment count begins in 2014 (which I discovered using the backdoor method), so although my loans actually entered repayment in 2004, apparently I totally lost out on the "one time repayment count fix."
Given these multiple serious errors, with no apparent way to contact anyone at FSA or Aidvantage, and each of them just finger pointing at the other when I've managed to get through in the past, it feels like I'm essentially screwed with zero recourse. Especially considering the Ombudsman's Office is nonfunctional. Does that sound about right? Does anyone here actually have any hope that errors can actually be corrected or that FSA and student loan servicers will ever be held to account for these massive screw-ups?
If it's this much of a shitshow, I feel like I may as well give up and just wait another 22 years until I'm either eligible for forgiveness or dead. Why bother investing any additional time and energy into trying to correct mistakes in a system that is so obviously f*****? They owe us a bare minimum standard of record keeping and accuracy, as well as customer service, but I have no way to enforce my rights as an individual. It's almost like FSA is so dysfunctional they're practically bulletproof. How do you shoot a moving target made of diarrhea?
Multiple errors on my loans and the inability to get through to anyone means it's probably time to stop trying
byu/Full-Cup-3647 inStudentLoans
Posted by Full-Cup-3647
1 Comment
What type of loans do you have? Who became your servicer after Navient? Just Aidvantage?
If you have FFEL loans then you wouldn’t be eligible for automatic recertification. You would have to apply for recertification yourself and provide income documentation.