Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have private XXXX XXXX Loans through Navient which was formally Sallie Mae. I took out a private loan in XXXX while attending the XXXX XXXX XXXX. I was paying out of state tuition with the XXXX XXXX XXXX  because I was from XXXX XXXXXXXX, XXXX and they considered that out of state. Since tuition was three times as much, I was informed that I would have to look for other options for tuition because I had exhausted my federal loans. I wanted to complete my degree in XXXX so I was provided Sallie Mae 's information. 

Upon contacting them I was approved for a private loan without a co-signer. I am not sure how because I never received nine separate loans but my total original loan between all the separate loans was for {$63000.00} with interest rates from 10.5 % -11.5 %. Now realizing how ridiculous this is, I feel I am forever in debt due to poor decisions when I was a XXXX  in college. Upon graduating, they wanted a payment of {$1200.00} a month which was more then 50 % of my monthly income at the time with over {$700.00} being interest only. I was told that since I couldn't afford it, forbearance was the best option. As we know, this just racks up the amount owed so you are even further in debt. At that time though I didn't have an option. I would make payments the best I could but I wasn't able to afford anything else. 

Now in XXXX, Navient has now taken over my loan I owe a total of {$140000.00} which is more then double the amount of the originally loan. Furthermore, I was unable to live with my first degree and my student loan debt so I looked at other career options. All I ever wanted to do was to help others so I went back to school for XXXX. I did not take any loans for Navient for my current career. I graduated over three years ago and am still struggling with Navient. I was approved on a few occasions for hardship but the payments were {$600.00} a month and when rent and other necessary living expenses are a priority, Navient was not. When I would get behind, I would get up to three to five calls daily. Upon speaking with someone about my being behind I was even told that they would take my drivers license and XXXX license if I did not pay. This of course is my only way to survive so I would make a payment and get behind on other things scared that I would not have a way to make a living. 

In XX/XX/XXXX, we had our XXXX  child. I honestly never thought I would have children even though I always wanted to be a mom but with this debt I didn't think I could afford to take care of anyone because they make it impossible. Upon going on maternity leave, I asked if I was able to stop my current payment of {$600.00} a month for XXXX months because I was going to be off on unpaid XXXX leave. I was told no. So my last payment was in XX/XX/XXXX. They currently want nine separate payments totaling {$8300.00} for my monthly payment. I don't know how anyone could pay that. Furthermore, since I have no way of paying the company, it has ruined my credit and states that I am behind on nine loans. Although they only want one ridiculous payment. They also call me five plus times a day from numerous numbers. They have started calling friends, family members, and friends of family that I have no association with looking for me. They contact my work leaving me messages, have spoken with HR requesting information, and send me faxes stating that I have to take immediate action. I have looked at hiring a lawyer and am at a loss of what to do. There is no way I can pay what they want and the fact that the interest has more then doubled since taking out the loan, there is no way I will be able to pay off this debt. I do not understand how they are able to get away with the loan amounts, interest rates, payment options, and harassing people when they make it impossible to pay. Thank you for your help. You have no idea how much stress this has caused my family and I.

Company response to consumer: Closed with explanation