Consumer complaint received 2022-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive spent years trying to work things out with Navient concerning a school XXXX University that I didnt granduate from during the XXXX to XXXX recession. I received my first loan from Navient when I was coming out of highschool and attending my first college. I had never signed my name to A loan before had No finical education and my grandmother co-signed for me as it would have been impossible for me to take out a private loan the school encouraged us to to take out because I had no job until my 20s. Not only did my entire family not understand that I wouldnt be able to graduate because XXXX decided to take away my loan funding in XXXX of my senior year but also were never informed by the school how these loans were disbursed.. Navient has harassed me for payments since XXXX offering programs only when you reach the point of the loans destroying your credit. Currently I transitioned to a new job and informed them of this .. instead of helping they insist I pay what Ive informed them I could not because I legit didnt have it .. how I was able to make payments before was working from XXXX XXXX to XXXX XXXX at night 7 days a week .. and because I do not want to die from illness I thankfully got another jobs I will include that I was the first to go to college so no one in my family understood the aspect of the baring of these loans .. and me well I had no understanding of how it would destroy my life, make me physically sick at times and cause mental stress. If you review my loans youll see I was only offered programmed when in delinquency and as stated today they are not considering my current debt when asking me to repay these loans. Im paying on loans for a college I didnt graduate from during the recession and given a loan when I had no financial history not even a job prior to getting the student loan and now that Im older and I dont have the income to afford what they are requesting they are refusing to work with me and forcing me in to a situation causing more harm and debt. Again for a school I never graduated from sue to the XXXX XXXX crises and a loan being pulled back in my senior year .. the reason my income has suffered is because it took me years to graduate and years to gain a job that I could afford to pay .. they offer private student loan customers no help and they refuse to accept the truth about the loans but like everything else the truth also comes to life.. I will include that they XXXX discrimate against XXXX XXXX who many of us suffer mostly from financial private loans because of the wage gap not created by us but the system that continue to keep us in debt unable to pay bills currently my debt has increased to the point that in 2 months I have to move out of my now apartment which I informed them but as usual they dont care they just allow it to get worse.. I personally wouldnt mind the situation being handled in maybe the courts so that I could give documents pertaining to my loans and my familys financial status at the time they were given out .. telling me well you took out the loans makes no sense when I had no credit history or understanding nor did I think I wouldnt graduate from XXXX at the time to make enough to pay them back. They are basically deciding that I should be XXXX  or pay them and they know very well that they destroy credit history which allows you to obtain in fact a home to live in .. they have destroyed my credit for many years even while I was sick getting XXXX.. I had no financial understanding of private student loan then and my co-signer whose credit they used to give me the loan has passed away years ago and if you check even my co-signer at the loans income at the time and the amount of the loans co-signed on by her from XXXX and Navient I assure you .. the proof will show she didnt make enough to ever afford paying them back

Company response to consumer: Closed with explanation