Consumer complaint received 2022-09-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im here writing this for the third time today. 

Im putting a claim again Sallie Mae/Navient/NavRefi XXXX I have two articles that found not only by CFPB but XXXX. CFPB as come to an settlement with NAVIENT. I too have been a victim of their practices and here is how. 

I left XXXX XXXX for the Visual Arts back in XX/XX/XXXX. My loans started on XX/XX/XXXX. I was only working part time and was looking for full time work. I found a temporary full time job with XXXX XXXX A third party administrator. My last day was on XX/XX/XXXX. I was out of work from XXXX to XXXX where I found a full time job. With the same company. I was making a little above minimum wage. 

I called Sallie Mae at the time tried to get my 5 loan accounts payments lowered. I was given the options of Forbearances or deferment. No income driven repayment options were suggested. I took these options over the course of several years. I couldnt go in defult, because my parents names were attached to my loans as well. This made my loans bloom into payments of XXXX per month. Because of the capitalization interest that came with it and the fees to each loan just for saying yes, i want a forbearances. 

Also, I have all my late document that will show that Navient failed to allocate payments to my loan accounts. There examples of paying with in the month and still getting late fee charges. Examples of payment reversals and adjustments. Which added up to more Mooney for them. 

XXXX, my husband lost his job and again tried to call Sallie Mae to lower my payments and wasnt able to help me. I was steered heat again in to forbearances and or deferments. This is the reason why for all my late payments. Please see attachments. I was trying to steel from XXXX to pay XXXX. With two car payments rent and normal bills Sallie Mae/Navient/NavRefi has put my family in financial hardships for over 15 years. 

I have been swindled into paying more than my fair share on this loan. With the loan capitalization was added after getting out of an forbearances or deferment. See that Navient was digging me into a financial hole that i coulnt see myself out. 

Not only the financial hardships aspect, my husband and I weren't able to buy a home nor raise a family of our own. That has put a mental, physical and emotional toll on us that i can never get those years back. That has made a ripple effects on my parents as well has my mother-in-law. 

Fast forwarding to XXXX. I wanted to get my parents off my collage loans with Navient as co-signers. I called navient to see what I could do and my only option was to make so many payments consistently, then I could get my co-signers off my loans. Spoiler alert, that wasnt going to happen. I couldnt afford my payments. Yet again another road block. 

Then came late XX/XX/XXXX, where i found a flyer stating that i could consolidate my loans, though NavRefi. NAVIENT is co-owner with NavRefi. I figured that they offered me to be able to consolidate my loans and get my parents off as co-signers. I thought this would be perfect so I could get my college loans under PSLF and be done. Wrong. I wasnt able to do this because my collage loans are private entity. Which found out that i couldnt change them over to PSLF. 

Please see all attachments to this claim. 

If you have any questions, feel free to contact me. 

I look forward to hearing from you. 

Accept what is and Let Go of what was. 

Have faith in what will be. 
-Anonymous quote.

Company response to consumer: Closed with explanation