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DS was shocked to get a loan repayment bill today. He was on IBR (ACS administers) with a monthly payment of zero, after being unemployed. He was taking a machining course at a community college, of 3 credits, paid cash, and the school sent in his data for a student loan deferment.

ACS cancelled the IBR, denied the student loan deferment (less than half time), and wants him to start making payments again. They offered to put him on forebearance when he said he couldn't afford the payments.

My suggestion to him will be to first talk to financial aid at the school, then ask to speak with a supervisor at ACS, get her name, and ask for the text of the regulation that gave them the authority to do what they did.

Any other ideas?
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