Can you help with student loans? My student loan was cancelled and is now saying I owe the loan again. A little over a year I have tried calling and talking to someone from student aid and from the loan servicers to find out why I had the same loan twice.

Thank you for reaching out about your student loan situation. I understand how frustrating it must be to have a loan reinstated after it was canceled, especially after spending over a year trying to get answers from your loan servicer.

I may be able to help. Colorado law provides specific protections for student loan borrowers against unfair servicing practices, including requirements that servicers respond to written inquiries within strict deadlines and maintain accurate records. These protections apply to national servicers who service loans for Colorado residents, not just Colorado-based companies. If your servicer has failed to provide accurate information or has improperly reinstated a discharged loan, you may have legal remedies available under state law.

Given what you’ve described, I recommend speaking with an attorney who can evaluate your situation and determine the best course of action. It would be helpful to gather the following information:

• Your original loan discharge or cancellation notice

• Current account statements showing the reinstated loan balance

• The name(s) of your current and prior loan servicer(s)

• Your Federal Student Aid account history or screenshots showing both loan entries

• Any written correspondence or call logs with your servicers or Federal Student Aid

• Credit reports, if the reinstated loan has affected your credit

• Any collection notices or demand letters you have received

If you would like to discuss your case in more detail, you can schedule a consultation online or call 303-688-0944.