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Navient had my federal loans after Captial One sold them while I was in school as well as my Private Student loans, fast forward to my finally going back to finish my degree, when NYSHE denied my request for a loan. I had no idea who they were and wrote them a detailed explanation as to how Navient abused my accounts and that was why I wasn't making payments. While negotiating income based payments, the information they requested included a blank check and my paystub. Next thing I know, my wages were being garnished. And still are four years later.
I haven't been able to pay the private loans, so now I'm looking to debt consolidation companies to help negotiate the private and have attempted to contact NYSHE to get my loans out of default, but now they want my most recent tax return. NO WAY! They can't have my tax return too. So now, I'm looking closer into debt consolidation companies that deal with federal loans in default. DO NOT give them your check, or your paystubs, or your tax return. They will do what they want with it in order to get the maximum payments out of you. They dont care about your needs or how you got to be in default. They are inhumane. You will most likely be better off with a debt consolidation company than NYSHE.
HESC, #1 Sent me an email on September 18, (29 days after a decision was due on the Excelsior scholarship), the email states they need more info by September 17 or I will be withdrawn from scholarship process. Is this done on purpose or do we even look and proofread the emails you are sending out? #2 Stating that I needed to live in New York 2 yrs before the application for the scholarship is not true. Why would I have to have proof of NYS taxes 2 years before I start college, when the qualifications are one year. Uneducated workers. I will be hiring a lawyer.
If NYSHE contacts you for repayment, use caution with dealing with them. They will give you misleading information, half truths, and even blatant lies. They will use delay tactics with excuses like "My phone was broken", "I didn't get the attachment", "Another department didn't forward your information", and "It takes 2 days for us to get your email." I recommend advising them that you're also recording them to help keep them honest.
NYSHESC does not care if you are homeless, as long as they get their money. They hire bottom feeding scavengers to collect. Now, my employer received a notice of garnishment when by law, they must notify me PRIOR to said garnishment. They NEVER notified me and the address they have listed in their letter to my employer is an address I have NEVER lived at. Now, I am trying to get in touch with them as Conserve (their hired legal henchmen) is just bottom feeding scavenger with no class or respect for humans and the fax is not going through. The website on their letter is not loading in any browser and when you call the phone number, you can't get to an operator to ask for a valid fax number. On top of this, I don't even owe the amount they have listed.
Excelsior scholarship - Don't bother applying if you are disabled and have taken several legitimate breaks (due to disability) from college. They will deny you, even though I had told them several times that the breaks were due to disability issues over the years. They were supposed to fix this issue since July, but apparently not!! In fact why disabled people take breaks is none of their business. Review your rights at the ADA website. I hope an ADA attorney sees this and investigate because it is happening to too many folks...
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I am outraged by seeing this company on my credit report and even after disputing it with the credit company they left it on there saying it was verified as me being the owner when I have never even heard of this company and I Have never attended any schooling out of my home state of Missouri. All my loans were through US Dept of Education and this is the only one on my credit report that doesn't match the rest. I have never stepped foot in New York and I have never attended in New York schools online or any other school online for that matter besides my community college classes in Missouri. I am so confused as to how this is possible and how they are getting away with sticking me with someone else's loan. I am poor enough and this only hurts my credit more. I have no idea what to do about this if the credit dispute won't even help clear this up. *Tears...
Horrible and unorganized. Why can't a government organization get with the 21st century and do online payments? Also, it is like pulling teeth trying to get information about my own account from them. I keep getting transferred when I call because they cannot "find my account" that I have been paying on. No one seems to understand what the "Math and Science Teacher Incentive Scholarship" is and how to access my account. Not to mention, I was fairly calm for having been told that there is no account and someone actually hung up on me!!!
Also, that scholarship, for those of you who don't know, is for anyone who is looking to become a math or science teacher in NYS. If you teach in the state for 5 years, you don't have to pay it back. That's all fine and good, but when you have searched for a teaching job for years (during the time that teachers were getting LAID OFF instead of hired) and you're told to get more experience, don't leave the state for more experience!! I went to VT to get experience and I was told that it was a "red flag" and now I have to pay it all back even though I was doing work to get to the point where I can fulfill my end of the contract! On top of that, they added interest from the day that I "borrowed" the money, not from the date that I graduated from college! What a corrupt scam directly from our "great" state of NY. I pay enough in taxes and now they want more money from me in terms of unnecessary interest.
Fortunately all that was borrowed is now paid off, everything else left is the absurd amount of interest. I paid off a lot of it at once and tried to get payments lowered because I'm way ahead of the payment schedule now and I am in a bit of a financial hardship. I sent in a new agreement signed for lowered payments, was paying the lowered payments, and then I was told to pay the bigger amount again because they "never received the paperwork." Now when I reach out to the person that I have been in contact with, she doesn't respond at all. I can't even get an account balance update!!! If an offer for this scholarship gets put in front of you, DO NOT SIGN IT!!! NYHESC is the worst and I don't recommend their "help" or "assistance" to ANYONE.
I am blind. They called my neighbor and asked for me. Gave her all my information including who they were, how much I owed, my SSN and told her to have me call them. I called them the next day and asked what they wanted since all my loans are deferred and was told the loans are not deferred. They decided to make them default back in March with no notice. Then the next week she received another call even though I told them to only contact me. I called the next day and said, "Why are you calling my neighbor?" "That is the number you gave us." I said, "No it's not." Now I am getting papers in the mail everyday stating they are taking money from me. I called and said, "You know I am waiting on forms". I got this lady Ms. ** who said, "I can't help you, you have loans. Pay them". I said by the end of the month. I have 20 left.
I got another letter. Called again and got her. She said, "I told you yesterday I can't help you." I said stop sending these letter, they hung up on me three times. She put the phone down. You could hear the people laughing in the office. I said, "Wow you really think laughing at someone who is disabled is funny? And you don't know how to do your job". She came back on and said, "What else do you want?" I said, "I want your supervisor ok". He came on. I said, "I have been waiting for the forms which came in on Saturday and I sent them back on Monday. What else do you want me to do? I can't afford to have any money taken out of my check as all I have left is 20 at the end of the month". No one knows how long it takes for the forgiveness forms to take to process. Again today I got another letter. I really want to sue these people for harassment, letters, calls, giving out personal information.
I don't get it -- you call yourselves a tuition assistance program? Forget it! This ** organization doesn't deserve even half a star! Had issues with them since October last year over a dispute regarding my eligibility for TAP, since I didn't get any funds from them for 2016-2017 despite being a low-income student. When I called them infinite times to find out why, they told me that my TAP eligibility was denied because I was a non-NYS resident and that my mother (who's apparently my dependent) was living in NJ so I can't get any money. Excuse me? I've been living and working BY MYSELF in NYC and paying my own rent since 2014! So I kept calling again yet everyone kept telling me the same thing day after day.
One representative who answered me said to send in an appeal letter, but even after they got my letter they STILL denied me TAP. So I ask what else can be done, and then I get "You can't do anything" as my response. Are you ** kidding me! It wasn't just one person, but several of them who gave me that same answer! The verdict? All I can say is that you meatheads are heartless people who don't give a ** about whether I can afford college or not. Thanks to you, I was forced to ask my father at the last minute for emergency funds just to pay the tuition that my federal Pell grant didn't cover, and it was almost $500! If you don't care about the fact that I'm struggling to make ends meet and can't afford to pay out of pocket, then I'd rather quit school and kill myself!
Apparently this company doesn't really do any research on the people it's going after. My employer received an Order of Withholding from this company for me, yet the SSN doesn't match, the address doesn't match, oh and yeah, I've never actually had a student loan. I've reached to them as well as my own attorney and we are prepared to do whatever we legally can if that means filing a class action suit against this company, so be it. Trying to garnish someone's wages without even confirmation that it's the right person is pretty messed up to say the least and these companies will just keep doing it and keep getting away with it until it costs them a lot of money. So here's to hoping I can make this very expensive for them.
New York State Higher Education Services really goes above and beyond. Months ago, I received several phone calls (at work, no less) from a bill collector in regard to a debt that is not mine. I explained on more than one occasion that they had contacted the wrong person (even confirming the SSN they had on file was not mine) and I was assured this would not happen again. That is, until my employer received an order from HESC instructing them to garnish my wages due to unpaid student loans to the tune of $160.000, a student debt which is NOT mine.
It turns out there is a person with the same name as mine living in the same metro area who had defaulted on her loans however, this apparently does not make any sort of difference to HESC, as they will find a way to be paid back no matter what. They, of course, couldn't be bothered to verify the identity of the person from whom they demand payment and insisted on harassing me and causing me a great deal of distress and embarrassment (that isn't even my own). I cannot confirm whether or not this practice is legal, but it is certainly unethical and amoral. Shame on you, New York State Higher Education Services.
My loans were defaulted, so that's on me. What I did not appreciate was that first, my wages were garnished. NYS HESC staff were so disrespectful over the phone. I ended up doing a rehabilitation program for 1 year to get out of default. 1 year goes by, and loans are still defaulted. They claimed they sent me a letter in the mail to fill out to get out of default, which never happened. They sent it again (which I also requested they send via email so I can fax right away) in the mail, and I sent it back.
Then the last month and half of my time with them was consternation on their part because before even doing the rehab, they said if I paid in a year, I should be in the clear. Now after doing that, they would not reduce what I was paying them (I had a kid, and they reduced my payments by FIVE DOLLARS), and also I consolidated my loans via studentloans.gov and chose to send it to another company I was already paying another loan off with. HESC told me they don't do business with that company, and this was repeated several times even though I was told via automated system and a live rep that yes, the other company DID receive my request. My loans are now being handed over to them. If you have children, implore them not to do any business with HESC. They and you will regret it.
To keep this simple and to the point, I had small loan $9000.00 and some change with Sallie Mae. I deferred a couple of times after graduation. I finally got a job, got married and had children. Catch 22 not enough income to pay back loan I default on it. Several years go by and my loan is giving to New York State Higher Education Services Corp. They contact my employer to start garnishment for the amount of $ 41,654.00 which they do for five very stressful years. Once the amount totaled what the judgement asked for HR (payroll) stopped garnishing my check.
A month went by and I was contacted by NYSHEC about the payment. They wanted to know why HR stopped sending the payment and that I still owed $15000.00. I contacted the HR person that handled garnishments in payroll. They showed me documentation that the 5 years of garnishment added up to the amount of the judgement. HR and myself contacted them on this matter but they say I still owe. I have been sending a monthly payment of $185 for over a year now to keep them from garnishing a larger amount. On top of this the monthly bill shows a collection cost of $35 for what I'm sending the payment in. The balance on this false money that they say I owe is still over $14000.00.
I have used my coworker as a reference on my daughter's student loan. I have missed payment due to personal reason last year in Nov. 2011. New York State Higher Education Services called my reference and sent her a letter with my account number on it. At that point, I have called Sallie Mae to remove my coworker as a reference from this loan. They promised me it will be done, but it never happened. At the end of this year, when I missed a payment, my coworker was again called by NYSHES. My coworker called me and told me that NYSHES released her my SSN (last 4 digits).
When I called Sallie Mae, they told me that they never release SSN from client's account to anybody. Then I decided to also call NYSHES, and a gentleman I spoke to said that by law, they can release last 4 digits of SSN to the reference. If I knew my SSN will go public, I would never have taken a loan from Sallie Mae. Please comment on this. I need to know how other people feel about it. When I was contacting Sallie Mae about the problem, some of the employees I spoke to were joking about it. Their behavior was all together unprofessional.
On July 5, 2012, I contacted HESC to inquire about a stipulation that I had asked for weeks prior. The individual on the phone gave some lame answer like "It's being worked on." So I called the following day, July 6, 2012, and asked the representative to provide me with the name of the person who is handling my situation. This person said that he was not going to provide me with the name. So we exchanged some words, and I told him I have a right to know who is handling my case. He said to me that he was still not going to give me the name. Then he proceeded to chastise me about how long this loan has been in default and as if to say because of this, I don't have the right to know who is working on my case. I have been making payments on this account for the last year. I am trying to get a judgment vacated so that I can apply for consolidation. It has been at least 10 weeks and no one is providing any answers. Please help.
I have been making the payments I had arranged with Higher Education for well over 2 years. I received my State Income Taxes last year, but I did not receive them this year. Upon calling Higher Education, I was told that my payment went up (they did not notify me of this), yet the automated system still says the amount from the payment arrangement. I am completely outraged with NY Higher Education. As a single working mother, it’s hard enough making ends meet without being nickel and dimed at every turn.
I have been paying on my loan with them since October 2009 to get it rehabilitated. I have been making my payments every month in the amount of $110. When I filed my taxes this year, I received a letter from the IRS stating that NYSHESC will be receiving my state taxes due to a payment that they received in the amount of $59 in April of 2011. I called them several times to talk about this matter and never was successful in contacting the person that handles my account. So therefore, I had to talk to several people about this. I was told to fax them the check for April 2011 the back and the front. I did that to prove that I did indeed make a payment in the amount of $110. Now all I am getting when I call is the runaround. It is an error on their part. I am a single mother of two and I depend on my tax money to get my kids' clothing and things throughout the year. I am very pissed that this is happening and they are not seeming to want to correct it.
I was contacted by a collection agency in approximately April of 2009, indicating that my loan was in default and my loan had been assigned to them for collection. I set up a payment arrangement and scheduled an automatic withdrawal from my checking account to occur monthly. Payments were deducted from my account monthly as arranged until September of 2009. I was never contacted by the collection agency or notified that my payments would cease.
One day, I noticed that my checking account balance appeared larger than I anticipated--that is when I realized that my student loan payment had not been taken out of my account for September and October. I immediately contacted the collection agency and was then told that my loan had been returned to the New York State Higher Education Services Corporation.
After being given several different telephone numbers, I was transferred to the collection department of the NYSHESC. I again set up payment arrangements to be paid on a monthly basis (totaling approximately $60 more than the previous payment, which was already a hardship). I have made the payment monthly as agreed; however, I continue to receive notices in the mail indicating that my payment has not been received and threatening garnishment of wages and tax refunds.
I have contacted customer service at the NYSHESC each month to clarify that my payment has been received. Each time, I have been told to disregard the notice, as my payment has been received. The last time I called, after waiting 40 minutes to get through to a rep, I was told that I should contact the IRS to find out if "I am certified or decertified" and was provided with a contact number for the IRS. This is absolutely ridiculous and I should not be receiving threatening notices when I am making my scheduled payments.
Furthermore, I have been informed that in order to qualify for the rehabilitation program, that I must make nine consecutive payments. My payments to the collection agency were stopped without notice; thus, interrupting my payments before nine consecutive payments could be made and I strongly suspect that there will be a problem in the future that interrupts my current payments. This appears to be a scam. I would like to file a complaint regarding this matter.
I paid off a student loan with Sallie Mae through its agents, HEMAR and paid a $65K lump sum, a settlement which cut down the fees, and interests. One year later, I received a call from NYS higher education through its agents threatening me to sign a new contract directly with NYS for the same loan I had already settled a year prior. NYS withheld documents for examination and did not demonstrate that the loans that they were seeking were distinguishable from Sallie Mae. In fact, they obstructed me from review of anything until I had to file a claim against them. After 5 years, they submitted consolidation documents which clearly state, Sallie Mae as the loan originator. NYS HESC has no evidence that what they are asking ($105K) is distinguishable other than ledgers. Why are student debtors treated differently when clearly, they are the victims?
The New York State Higher Education Services Corporation corrupts with Sallie Mae Servicing to steal money from student loan borrowers.
I am a single parent. From September 1986 to 1998, I attended college half time non-stop. In October 1986, I borrowed a loan from Bough of Manhattan Community College with Chase Manhattan Bank , 220 Lasley Ave. Silkes Barre, PA 18773, telephone 717-821-3600; the amount was $2,500, but I only received two thousand four hundred and something because they deducted the money.
In September 1988, I transferred to Brooklyn College.
In 1989 and 1996, I constantly received telephone call from Sallie Mae Serving demanding money and threatened to destroy my credit. I told them I never borrow money from Sallie Mae Serving and later I realized Sallie Mae Serving bought my loan from the bank. I told them I was still in College and I was not able to pay yet and I was eligible for deferment and I sent them the deferment paper. But they kept calling and started to destroy my credit and started to charge me interest. I started to borrow from other places and returned my loan.
In June 1998 I returned all my loans that Sallie Mae Servicing bought from colleges when I stopped attending college in June 1998. I did not hear from Sallie Mae Servicing except that I received materials from them for to apply credit card from Sallie Mae Servicing.
In 2001, my son started to go to college, he applied a Direct loan from University of Rochester with the New York Higher Education Services Corporation when applied college. Right after, I started to received letters from Sallie Mae Servicing stating that I still owned them $102.58
Before and while I was having dispute with Sallie Mae Servicing, I started to receive phone calls from the New York Higher Education Services Corporation stating that I owned money and bought it from Sallie Mae Servicing right away when I requested for review.
Then I constantly received phone calls from the New York Higher Education and they disregarded my request for review.
Since 2004, the New York Higher Education Started to have all my New York Tax Refund $145.5 and I still own them money.
New York State Higher Education Services Company Information
- Company Name:
- New York State Higher Education Services Corporation