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Thank you everyone for your thoughts about my earlier grace period problem. And now I have but yet another...

So here I am with my lender: by their standards, I "left school" at the end of April 1998. However, I actually graduated at the end of June 1998, but never mind...my lender started my grace period at the end of April when I finished classes and ended it in October 1998.

The thing is by October, I was already involved in a graduate fellowship (actually beginning August 1998) for which I sent in a deferment. Somehow, my deferment form got lost, and I was charged "administrative forebearance" fees on Stafford loans from October 1998 to February 1999 (when they say they finally got the form). I was never informed of these forebearance fees or the fact that I had been in forebearance at all by my loan company.

My own memory is that I vaguely remember there was an issue with my deferment. I remember that I had sent the company a deferment form (in August when I got the fellowship), and later faxed several duplicates and sent but yet another hard copy. It took some time to register the deferment in my account. When I called I remember they got it. But now I know they counted it only from the beginning of February-even though the deferment says something different- from the beginning of August 1998 -I have a copy.

Meanwhile, I thought everything was fine until I began really looking over my loan amounts recently (because now I'm thinking about payment and consolidation). So I called my loan company to ask why I had fees beyond the Stafford (subsidized) loan amounts. First I was told that it was interest, and I informed the person that I was talking to that the federal goverment pays the interest while I am in school, so that couldn't be correct. Then I was told about the administrative forbearance.

I asked how to correct this. And I was told that if I sent in a corrected deferment with the appropriate dates than the forebearance would be correced. I did this at the beginning of this week. Tonight I called and the company recieved the fax. But they are unwilling to accept it because they are under "no obligation by federal law via the Higher Education Act" to update a file "beyond a 6 month period." The person I talked to even suggested that it made no difference that I had been in forebearance. I said that it did because 1) I had additional fees and 2) being in forebearance likely made a difference in terms of interest rates with consolidation and my general credit. Is this crazy or what?

So I asked to speak to a supervisor. The guy I talked to said the supervisor would tell me the same thing. But I persisted and asked to talk to someone anyway. And surprise, no one could talk to me. They'll call me later. I think I experienced this when dating...

I don't think I being overly hostile. I'm just asking questions, and trying to find out information. I'm also pretty darn upset right now...All of you who were so helpful earlier, I hope you read these things regularly.

Thanks in advance for any ideas!

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