Fed Loan Servicing Sallie Mae / Freddie Mac 90+% Interest Rates, and loans INCREASING after paying on time, and more than what is due! Harrisburg, PA  Pennsylvania Nationwide

My original loan for my MBA was for $25,000.  I deferred a class due to a vehicle accident.  The loan thus increased to $48,000 - this is while I'm taking classes.  I had to defer another class, due to the school scheduling twice the workload the final term; working full time, raising two children and running a household made that impossible.  My loan then increased to $60,000.  The last time I call ed Fed Loan Servicing, they claimed that I took out loans for those amounts.  That is a lie.

  It is now at  $56k after paying on it for 3.5 years.  The first year of payments were almost as much as my mortgage!  I had to close accounts, take a loan from my 401k and borrow from my daughter's college fund just to make ends meet.  I never did get a substantial promotion.  My wages went from $49k w/ OT to $45k as a salaried employee, then $47k, only increasing to $49.6k after 3 years in a new position.  I was hoping for @ $55-65k with the MBA, which would have made loan payment a non-issue. 

  Fed Loan Servicing lowered my payments to about half after that first year.  My payments go from @ $200 to $400+.  For the past several months, payments have been @ $300-365.   I have been paying anywhere from $450 when I can afford it, to $425 and $400.  My payments have continued to increase even though I pay on time and more than  what is due.  Two of my 'sub-loans' (there are 8 itemized on each statement) have now INCREASED!  How can I go backwards on a loan that I'm paying on every cotton picking month?  

  The month before last, I paid $400 on $365.26 due, which only satisfied $34.74 in principal.  That's 91.32% INTEREST on a loan purporting to be 6%.  And it would have been 100% interest had I only paid what was due!!  Last month, my payment was $410.98, and this month it is $420.70!!!  This is the biggest rip off and scam I've ever experienced!  Even the WORST credit cards aren't this bad!! 

  It seems like there is nowhere to go to complain.  They are out of the jurisdiction of the BBB.  There has to be someone watching these scam artists.  I cannot believe that they can not only get away with charging 100% interest, but then have the gall to increase my loan amounts, all while I'm making payments ABOVE what is required.  I think my next step must be to contact my congressfolk, and maybe the Attorney General.  I've never experienced anything like this.