Consumer complaint received 2015-12-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went back to school at XXXX tech in XX/XX/XXXX, and within 12 months i had an issue where i was not able to complete my degree. Due to this, i had incurred a loan of approx. XXXX and at the time was not able to pay the $ XXXX+ a month for the loan as i was working minimum wage. I had to put my loans into forbearance twice in two years and make whatever payments i could towards these payments. Over the last almost 9 years, i have attempted to pay down this debt to the tune of 10.25 % and navient, XXXX XXXX selling the account to them, would not work with me to lower not only the payment of the student loan, but also the interest rate. I have been informed numerous times that the only way also to remove the co signer was to pay the account on time for 2 years. This has caused a monumental issue with attempting to pay back the loan, and had to go back to school to the tune of {$44000.00} to get not only my XXXX XXXX, but work towards getting my XXXX XXXX to be able to get to a point where i could attempt to pay back this loan. I currently work for a company that pays me a liveable wage, but am still not working in the department that my degree was to be in. I had gone in for network security, and XXXX tech had made promises to me that the experience and knowledge i would learn would land me a job in this field of study. 

I currently owe over {$60000.00} in student loans both private and federal and am at a point where i am wanting to get my co signer out because i am starting to not be able to pay these loans back at the interest charged. I started with my current company in XX/XX/XXXX, and it took me almost 12 months to get my account current enough to where i dont have any back money owed on the account. I am filing this complaint because i have hit a point in life where i cant afford to live, my credit has been destroyed because i couldnt even pay the bills i had, and had to take multiple payday loans out just to keep a roof over my head. I have had nothing but bad experiences with both Navient and XXXX XXXX with regards to trying to get the payments lowered, the interest lowered or refinanced, or even forgiven due to the hardships that i had. I have debated filing for bankruptcy due to the mountain of student loan debt i have, and all the lies and runaround that i have had with both companies telling me that they could work with me, and nothing was done. I have had harassing calls multiple times an hour when i was late on a payment, and they harassed my co signer into getting her to have me pay the bills, and also threatened to leave her hanging with all the debts. She co signed on this to help me when no one else would, and now we are paying for it since i will have paid almost 7 times as much back towards the original XXXX loan. Attached are pictures of the loan information from Navient. This one bill accounts for almost XXXX % of my income every month, and with a car payment and rent, i have very little left over for basic needs.

Company response to consumer: Closed with explanation