My husband has quite a bit in school loans and we qualify for monthly payments of zero, but they claim to never have received his application for income based repayment AND now he can't get a hold of anyone on the phone. A few months ago he was trying to straighten itout and they said they'd put a deferment on the loans for us, but we are still getting billed every month and now collectors are starting to leave recordings on MY phone all the time (even though he changed the contact information to his phone) because there is NO WAY we can pay these right now. He seriously sits on hold for ages and ages and ages and never gets through to anyone.
Has anyone dealt with anything like this before? What did you do?