Consumer complaint received 2019-04-10
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I started making payments to Sallie Mae ie now Navient when I graduated with my first XXXX degree. There were several " double payments '' that they claimed they could not refund me since it was already attached to my loan. Then I went back to school for a second XXXX degree to which i continually made payments through a payment plan. But it was starting to get to much for me having to pay $ XXXX a month to just them and needing to pay for school, home, food, gas, etc so I had to work two full-time jobs and two part-time jobs due to not being able to make ends meet. I graduated with my second XXXX degree and got accepted into graduate school. I called Navient since they refused to defer while I was going for my second XXXX degree I thought they would defer for my XXXX program. They told me that my XXXX program at XXXX University does not qualify since it is not XXXX or XXXX program when all my other student loans private and federal have deferred my loans being still in school. So they told me my only other option is to apply for forbearance which is {$150.00} but it does not guarantee forbearance so I wouldn't be given back the money if I don't qualify. I told them I understood and they told me I had a total of three years of forbearance. I worked on financial sheet and figured that out that by then I could make the $ XXXX payments a month again. It would give me time to be secure and safe. After doing the forbearance three times ( total of 18 months ) I was told that I no longer can apply for them and need to start paying on the loan. At first I was able to sign up for a replayment plan but they kept double taking out of my bank account to which I had to close that bank account due to them continually taking out extra money than what I agreed to do. They claim that they weren't taking any extra money! And when that repayment plan " expired '' they were making me pay almost {$700.00} a month for loan repayment ( {$680.00} to be exact ) denying me any service or benefit help. Finally I was able to talk with a nice worker who understood my situation and did a financial sheet with me and my co-signer noticing that there was no way I could afford that unless I was homeless and didn't eat. She set up a payment plan with me that on the XX/XX/XXXX of every month I would pay {$220.00} through XX/XX/XXXX. I agreed to the terms but she needed to take out the payment within ten days of us approving it so the first payment had to come out on XX/XX/XXXX. I told her that was fine. So on the XX/XX/XXXXof every month since they have taken out {$220.00} from my bank account. But apparently for the past three months they have been harassing my mom, my co-signer, with phone calls claiming I am not paying my payments and now just recently are harassing me with emails and stating that I am past due and making all these charges and extra fees. What can I do? They have caused me emotional, physical and psychological stress due to not being to pay for groceries or being late on rent and the constant harassing and scaring me about money and going to jail. What can I do? I have tried to seriously just get a loan for {$36000.00} just so I can pay someone else and not have to deal with them but with all my student debt and other credit history I do not qualify by myself.

Company response to consumer: Closed with explanation