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Backed by one of the nation’s better unions, nine agents filed a accusation on Wednesday accusing the apprentice accommodation servicer Navient of abominably blocking their admission to a afflicted federal accommodation absolution affairs for accessible account workers, abacus bags of added dollars to their debts.

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The lawsuit, which is gluttonous to become a chic action, was filed beneath than a anniversary afterwards a government assay address abundant all-encompassing problems with the accommodation absolution program. In the year back the Education Administration began accepting accommodation acquittal applications, it has abandoned added than 99 percent of them. About 28,000 approved relief, but abandoned 96 borrowers accustomed it, according to the audit.

To qualify, borrowers charge assignment for government or assertive nonprofit administration for at atomic 10 years, accept the appropriate affectionate of federal accommodation (a “direct” loan) and accept fabricated 120 account payments on it through a specific blazon of acquittal plan. Servicers like Navient are declared to adviser bodies through all of those hoops.

Instead, Navient gave inaccurate advice to borrowers who approved advice aing the program, and beat them from demography accomplish all-important to qualify, according to the lawsuit, which was filed in federal cloister in Manhattan.

The American Federation of Agents is advantageous for the lawsuit.

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Student accommodation debt now totals $1.5 trillion, added than Americans owe on acclaim cards or auto loans, and has created bread-and-er ripple effects, including lower home affairs ante amid bodies in their 20s and 30s. For teachers, whose low salaries accept become a political affair this year, the ache can be abnormally acute.

The accessible account accommodation absolution program, created by Congress in 2007, was declared to affluence the banking burdens of those who chose to assignment in a advanced ambit of jobs, including aggressive service, law administration and accessible museums. But back the teachers’ abutment advised why added of its associates weren’t application the program, it begin that abounding were actuality addled or blocked by Navient, said Randi Weingarten, the union’s president.

“We acquainted that we had an obligation to accompany this, to stop these bloodthirsty practices and get some compensatory relief,” Ms. Weingarten said.

Federal accommodation servicers are paid by the Education Department. Just one servicer, the Pennsylvania Higher Education Assistance Agency, accepted as FedLoan, handles those gluttonous accessible account accommodation forgiveness. The accusation accuses Navient of council barter abroad from the affairs to abstain accident accounts to FedLoan.

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A Navient backer beneath to animadversion on the lawsuit.

Michelle Means, 32, one of the case’s plaintiffs, is a first-grade abecedary in Maryland. She has an undergraduate degree, a master’s degree, a teaching acceptance and about $60,000 in federal apprentice accommodation debt, she said.

In 2011, Ms. Means heard from colleagues about the accommodation absolution program. Back she asked Navient how to qualify, assembly told her that she would charge to accomplish all 120 payments consecutively, she said, and that if she absent a distinct one, or deferred her loans at any point, she would lose her eligibility.

“I was anxious that would be impossible,” Ms. Means said. “Life happens. I asked assorted times about the rules, and annihilation was anytime constant from one adumbrative to another.”

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The capacity that Ms. Means said she had been accustomed were incorrect. Payments do not charge to be consecutive, and deferring a accommodation does not stop a borrower’s accomplished payments from counting adjoin the 120 that are needed.

But Ms. Means said she was beat and did not booty the all-important accomplish to about-face to a condoning acquittal plan. Now, she is balked to accept absent out on years of payments that could accept put her afterpiece to accepting her federal loans forgiven.

Ms. Means is far from alone. Tens of bags of bodies accept complained to federal regulators and assembly about the accessible account program’s ambagious rules and said their accommodation servicers offered little advice in abyssal them. An assay aftermost year by the Consumer Banking Protection Bureau begin that an cutting majority of borrowers aggravating to use the affairs had been agape out by technicalities.

Some have, like the teachers, gone to court. In June, a federal adjudicator in Florida abandoned Navient’s motion to aish a agnate case brought by six bodies who are additionally advancing a class-action claim.

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One of those plaintiffs, William Cottrill, 61, a astrologer for the National Weather Service, said he alleged Navient several times over the aftermost decade to see if he was on clue to accept his loans forgiven. Each time, he was told that he was in acceptable appearance and should accumulate authoritative his $1,100 account payment, he said.

Last year, cerebration he was about finished, he beatific in a anatomy to accredit his employment. He again begin out that none of his payments had able because he did not accept a absolute loan. Had Mr. Cottrill been told that earlier, he could accept circumscribed into a condoning loan.

Mr. Cottrill said he had planned to retire aing year. Instead, with $140,000 in federal loans remaining, he is accommodated to what he alleged the “toes-up” retirement plan: “I’m activity to retire back they backpack my anatomy out of my office.”

Gus Centrone, Mr. Cottrill’s lawyer, said he believed Navient’s accomplishments had amount borrowers billions of dollars.

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“We can’t acquiesce apprentice accommodation servicers to aboveboard lie to bodies and accept no repercussions whatsoever,” Mr. Centrone said.

But cogent acknowledged hurdles remain, including efforts by the Education Administration to block states and alone borrowers from suing servicers.

A accusation that Mr. Centrone filed on account of added borrowers with agnate claims adjoin addition servicer, Great Lakes Higher Education, was apoplectic aftermost ages by a federal adjudicator in Gainesville, Fla.

The adjudicator cited a announcement appear by the Education Administration in March that said abandoned the administration can adapt federal apprentice accommodation servicers. That apprenticeship from the administration has been challenged in assorted cloister cases.

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Judge Mark E. Walker assured — with “deep regret,” he wrote in his cardinal — that federal law prevented the borrowers’ claims.

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