Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: TX
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:
First - the loans where fraudulent!

XXXX XXXX XXXX XXXX pushed loans on us to satisfy the schools enormous fees and tuition.

They recruited me from a reputable XXXX XXXX School in Idaho where the fees per semester where {$1200.00}.

The school/personnel sold lies and deceit to get me to recruit me, and keep me there.

They said don't worries about the fees, we can get you the money, you'll make 100+ right out of school, and they did everything in their power not to accept transfer credits to lighten the loan.

Furthermore, after the federal loans where made the pushed on me the private loans even without a cosigner and with XXXX  fees. I was young and unaware of the consequences since I believed everything sold to me.

Now, after school was over I was offered a job ( official for {$14.00} hr ). I was offended and appalled!! I negotiated {$40.00} k a year and that was only because I was top honor of the entire school and had leverage. But even that much was significantly lower than what was seen out in the market.

I would have made more being a sales person at XXXX XXXX or an office secretary.

At this time we truly considered the absolute deceit and unfortunate circumstance we were in and decided that I had to return to school to get a better career!

Meanwhile, I have applied for the borrowers defense for the federal loans to be discharged ( still pending but should go through ). XXXX XXXX XXXX XXXX ( who owned XXXX XXXX XXXX XXXX and other For-Profit-Schools ) was litigated and judge XX/XX/2019 as to forgive existing debt they hold ( {$490.00} million ) for student loans they own for students who attended their school. For me my loans where sold off to Sallie Maie/Navient.

Now the Navient loans were not in the lawsuit but my contention is they were fraudulent just list the loans XXXX held and the Federal Loans given under that same school.

I am still in school with training and with a husband with now job and XXXX   kids and with a negative cash flow, Navient is calling me daily at my work and family and friends to get me to pay something I can't and shouldn't because of the fraud!!!

I feel like I am not protected in anyway and have no where to turn. My loans have not been address either with Navient or through an existing lawsuit.

I don't believe Navient has given me options adequate enough to the fraudulent loans to feel comfortable.

I have XXXX in debt with them and they wanted to settle for XXXX. The problem is I can't pay what they're asking and have no place to get it. Let alone I don't think it's right especially considering what they've done. I think the loan in some way should have been discharged because of the terrible practices by both the school and Navient.

Furthermore Navient Solutions is looking for something that works for them and not me. Of course the agent on the end of the line gets a piece of what they settle and that's how they're paid but I feel strongly that I shouldn't pay anything!

I will offer today XX/XX/2019 to settle for $ XXXX  which comes from a credit card of my husband, some from what little cash we have at the bank and some from a family member.

Other issues as a result of all this is a XXXX  attending me. I am on some XXXX  and XXXX medication and I feel trapped!

Additionally when I decided to switch careers as a result of how I was burned and lied to, I choose to XXXX. I was fortunate enough to get accepted and graduated from XXXX school at XXXX  in XXXX. I am there now as a 2nd year resident. Navient Solutions knows this and are hassling my work and co-workers to cause pressure on me.

Furthermore they know I'll make money in 4 years and are asking me to come up with XXXX  wtih the remaining to be paid at the end of 4 years. This is their leverage but again - because of the fraud I feel like Navient and like XXXX   are cheating me again.

Anyhow these are multiples issues but the largest one - these loans being requested of me to pay on are fraudulent and I don't know what to do next.!

Company response to consumer: Closed with explanation