<prompt> Human: I paid a federal student loan by phone. Confirmed with the phone operator that it was for 480. Get charged several business days later for 4800. I call Loan and they say to call bank and cancel transaction. They do because it vastly overdraws my acct. It gets charged again the very next day. I call Loan and they say theres nothing they can do but they are sorry they overcharged. I call bank but the bank must let it go through since it is a ACH charge and its preauthorized. It goes through and now Im over 2K overdrawn. Call Loan again and they say that it will take 40 days to issue a refund if they deem it. They admit to overcharging several times but, theres nothing they can do about it but thankfully they, understand my situation and understand my frustration. Call the bank and they must send a letter to my apt. takes 5 business days and i must then fax them back information and it will take another week for the charge to drop. This all is far far too long.I am now 2K overdrawn, after getting paid friday 724 from work. I have rent due at the end of the month and about a week of food. Bills have been missed that will affect my credit score. Also, the huge amount of stress and hours on the phone during business hours has very visibly hurt my work performance. There is more to all this, such as a ton of calls and discussions and other things that this loan company has messed up accidently sending all my reports to my father for months among others. I will answer more but for the sake of brevity I left this as it is. I am a responsible man but I need to be sure I am doing everything I can. I worry this could very well put me on the street. I reside in Ohio, USA.  <response>: The federal Consumer Financial Protection Bureau is worth checking out. 