Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the years XXXX to XXXX. During that time and afterwards I found out the school and Sallie Mae participated in a long running XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also came to liXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about not increasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would not transfer. Purposefully cornering me into staying or losing an entire year and {$40000.00} in private student loans. Each year they raised they tuition after they put in writing that they would not. In addition to their pushy tactics, they would shove Sallie Mae literature on student loans down our throats as well. The loan marketing packets were branded with both XXXX and Sallie Mae logos. The school assured me that Sallie Mae was the best option for ADDITIONAL loans, after they drained everything they could out of my federal aid and federal loans. They preached that Sallie Mae was committed to helping students achieve their goals and that they give them Favorable terms. This was the biggest lie of them all. They kept telling me that it would be worth it and my degree would pay for itself, this turned out not to be true. XXXX XXXX XXXX XXXX XXXXXXXX along with XXXX/Sallie Mae have XXXX found guilty by the federal government and the FDIC of XXXX and defrauding students. My experiences and attached exhibits at XXXX XXXX XXXX XXXX  fully represent being defrauded, misled, and taken advantage of by the school, its management companies, and XXXXSallie Mae who XXXXXXXX XXXX XXXX XXXX XXXX 

Student loans specifically through Sallie Mae is something they pushed hard. They explained to me that the price per credit hour would be raising. So as soon as I enrolled, I would be able to lock in a tuition rate for a credit hour. This SHOULD never be used to try and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wanted me to sign up at once. Without even advising or asking my parents to come fora second tour with me. As an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found this to be intimidating and felt pressured to make a hasty decision. I did not feel I had the time to discuss with my parents, or even try and review the XXXX  and their policies to weigh my decision on XXXX XXXX XXXX XXXXo explore the costs associated with the XXXX  in more detail or set up appointments to discuss with the other departments at the XXXX. They would not even let me talk with financial aid until I enrolled. To be treated in a way of being scared into thinking that you are making the wrong choice if you wait, or that you will lose out on an opportunity and will need to PAY MORE MONEY if you wait to make your decision. It is NOT ethical in any form. This is not how a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXver conduct themselves or act. They rewarded these recruiters for doing this and pushing the enrollment process. 

I have been paying my XXXX  loans to Sallie Mae without missing a single payment since XXXX. My several issues regarding my Sallie Mae loans include : Owing 25 % more today then my original loan amounts, refusing to give me my loan origination forms and refusing to offer any form of hardship relief or a co-signer release. 

My original loan amounts totaled {$52000.00} and as of today I owe {$67000.00}. To date I have paid them a total of {$51000.00}! They increase my interest rate on average .125 % EVERY MONTH. They have created a perfect situation of getting XXXX XXXX  to push their loans that no one could possibly get out of. 

I have on numerous occasions requested my loan origination documents and what I have received are forms I have never seen that have mine and my co-signers names typed in signature boxes. There is no evidence of any form of electronic signature validation nor do I or my co-signer have any recollection of electronically signing anything. I have been told they are original but I know for a fact that they are not. 


I have requested a co-signer release and was denied for Insufficient income for amount of credit requested. When I asked what my income needed to be, I was told they could not give me that information. 

Over the past 10 years I have requested hardship assistance and was given 12 months or forbearance but that was only good for the LIFE of loan and I had no choice to use it all during the time due to my circumstances. I have asked a few times and was simply told I did not qualify for any form of assistance without given any kind of explanation as to why I did not qualify or given any other resources. 


In XXXX XXXX provided for {$1.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXhe qualifications for the loan qualification were : o Only certain XXXX XXXX loans issued by XXXX or its predecessor, Sallie Mae. 
o Qualifying borrowers must have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
o The student loans must have been disbursed between XXXX and XXXX. 
o The student loans must have been delinquent ( behind on payments ) for at least XXXX monthly billing cycles prior to XX/XX/XXXX. 
I met every single qualification except the fact that my loans were not delinquent. Myself and thousands of others like myself should not have been punished for not wanting to ruin our credit and futures! The XXXX settlement only proved that they knew exactly what they did was predatory and wrong.