My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.