Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Texas states that I would be unable to graduate without retaking a course through their institution. I was told without the credit hours I would lose my opportunity to graduate and have to retake certain courses at my own expense and with new loans through XXXX XXXX That my Sallie Mae Loan no longer covered these expenses.

I was pressured during a private meeting with the Executive Chef to take out an additional loan to cover the cost of course not completed. 

This high pressure sales tactic left me with what I believed at the time with no options. 

The extra courses necessary to graduate with an XXXX in XXXX   XXXX degree in no way shape or form contributed to my ability to perform my job duties as a XXXX. I did complete the courses and XXXX but was left with an entry level job. 

The accredition I received from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been of little to no help in attaining a job that XXXX XXXX XXXX XXXX   XXXX XXXX advertised I would be immediately qualified for after graduation. In actuality it has been a hindrance in numerous interviews and job searches. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has offered me little to no help in obtaining and/or maintaining the XXXX equivalent job in which they advertised and promised me I would be hired on at upon completion of the program. 

I have faithfully and diligently worked the jobs that I was personally able to obtain through hard work and determination. 

I have paid close to 2/3 of my student loan. After over 10 years and an estimated 39,000 hours clocked working in various XXXX across the United States Im left with little to nothing to show for. 

Initial Loan Amount taken in XXXX- approx. {$54000.00} Amount repayed since refinancing- approx {$59000.00} -as of XXXX with a remaining balance approaching {$20000.00} In XXXX upon XXXX I was unable to make minimum payments on the loans with Sallie Mae XXXXignature Student Loan and XXXX XXXX XXXX XXXX. 

Therefore it was deemed that in my best interest I needed to consolidate these loans to prevent defaulting on them. 

At the time of graduation I was making {$11.00} an hour with the job XXXX XXXX XXXXXXXX XXXX  XXXX XXXX approved as apart of of externship program required for graduation. 

At no time did XXXX XXXX XXXX offer service or help to gain better standing within this job or any other job. XXXX XXXX XXXX did not offer assistance after graduating in job placement that XXXX XXXX XXXX advertised as apart of post-graduation assistance. 

I have been diligent in repaying my consolidated private student loan through XXXX XXXX to the best of my abilities. 

In the meantime XXXX XXXX XXXX has filed bankruptcy and closed all its remaining schools. It has left a path of destruction in its pursuit of money and left thousands with little to nothing to show for their own hard work. Those who have remained in the industry are far fewer than those who havent. 

I didnt file bankruptcy. 

I didnt quit working hard to pay my student loans. 

I didnt give up. 

I still dont believe attending XXXX XXXX XXXXXXXX XXXX  XXXX XXXX was necessary for me to become a successful XXXX in the XXXX XXXX. 

For those who have done what is right and did the best job they could repaying loans but are left outside the governments student loan forgiveness programs because they dont classify correctly or the government recognizes them as paid in full because they are now privatized student loans, what are our options?

Company response to consumer: Closed with explanation