Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX only allowed us to borrow from XXXX and if we did n't then we could n't attend unless we had the cash up front or a private loan from a bank, and since my cosigner was my grandfather that was n't an option, after he died I had a harder and harder time getting loans or help from them while I was an XXXX. I then found out I was being evicted and part of the eviction was my loans did n't go through and so there was no money for the on campus housing I was living in since I started. They said I had 48 hours to get out or they 'd change the locks and I 'd be charged. with interest I owe around XXXX dollars, yes XXXX dollars for something that I did n't even get to graduate from. They never wanted to work with me and would harass me and my parents from XXXX to XXXX everyday. They would call my job and say things, like " WE KNOW SHE 'S THERE PUT HER ON THE PHONE! '' My manager had to tell them to stop calling and harassing me since I never have them my number and they call up to five times a day. They would ask me why my parents could n't help me, who at the time lost their house to XXXX from foreclosure, why could n't I just get another full time job and that at this rate I 'll never pay it off. There were times my mom literally got of the phone with them in tears because of how they treated and berated her for having no money all the while the school and the company said nothing about being a private profit school and loan company. My credit is ruined. I ca n't even get any credit cards to try and build it back up, and I still live with my parents at XXXX because I ca n't get any help or financial help from anyone. Now I 'm expected to pay back XXXX dollars on a predatory loan company that I get no help or loan forgiveness. I even had a women tell me well you could just sell your stuff, do you really need a cell phone ( no land line at my house ) and ca n't you just give your animals to someone. then she proceeded to tell me to just XXXX and try to figure it out because since I owe so much they 'll just take me to court and I could have the possibility of going to jail. 
XXXX is one big scam. They got a pay out and we 're still stuck paying on loans they as a company got forgiven for. They are predatory and aggressive and have no intentions of helping or forgiving the the loans that they knew you could never pay back with the interest rates higher than XXXX XXXX. This company literally ruined my life as an adult because I can do nothing, but deal with it and still live with my parents until they die because I ca n't go or afford anywhere else even with a full time job. They actually made me hate my major and what I went to college for. I have n't picked up a camera or done anything with my major since being forced to drop out after the school said I owed XXXX to be current. I wrote them a check out of a settlement I had when I was younger from an accident. They took the check cashed it then said I still owed them thousands more and I have to leave.

Company response to consumer: Closed with explanation