Consumer complaint received 2019-01-16
Company: Navient Solutions, LLC.
State: MN
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:
In regards to XXXX XXXX XXXX XXXX/XXXX. XXXX This complaint is to seek reimbursement for private student loans paid in the amount of {$11000.00}. This amount was paid in a settlement with Navient in XX/XX/XXXX and does not reflect any prior payments made to the original lender Sallie Mae. 
I attended this institution between the years of XX/XX/XXXX and XX/XX/XXXX. This college lost its accreditation while I was enrolled and has since gone out of business due to lawsuits for predatory practices. 
As a consumer of higher education, I feel I kept my end of the agreement of finally paying for this financial burden, and have nothing to show for it, outside of a piece of paper that has nothing to back it. 
Below I have recounted my experiences with XXXX XXXX XXXX recruitment and educational program, as well as the aftermath of attending the program they provided. 

Employment Prospects XXXX XXXX was my recruiter when I first looked into XXXX XXXX XXXX. I was still in high school when I spoke with him, and he made the culinary industry sound like easy money. I can vividly remember XXXX telling me how easy it would be to get a high paying position as a chef. He assured me that it would be remarkably easy to find a position as a personal chef for an actor, or an executive chef in XXXX XXXX making six figures a year straight out of college. XXXX also made a point that even if I was not making six figures, I would still be making a fairly comfortable living. 

Program Costs I was never fully educated about student loans or how to repay them. When my mother and I went for a walk through of the facilities, we met with a loan specialist that just told us how much the loan would be, which was over {$50000.00}. As this was just a short time after hearing from the recruiter and under the impression that this was pennies compared to what I would make, I was ready to sign and my parents were ready to co-sign. I took out half of the total loan and they took out the other half. Not only has these predatory tactics affected my financial needs, they have crippled my parents as well. 

Transferring Credits I was under the impression that my general education credits would transfer to other institutions in case I would want to further my education. I found out pretty quick after attending that they would not. I talked to a few other students that thought about transferring and were denied. XXXX XXXX XXXX lost its accreditation towards the end of my enrollment. 

Career Services The career service department of the facility had consistent discussions with classes and students constantly hammering it in our heads that we will have amazing externships and jobs afterwards. They also told us how restaurants love XXXX XXXX XXXX students. In reality, we were the butt of the joke in the industry. It was extremely hard for me to convince potential employers that I could work hard and learn when they saw I went to XXXX XXXX XXXX. I contacted career services after my externship looking for help with employment and they told me the job market was rough and offered no additional help. 

Education Services During recruitment, I was informed that this particular school had the best chef instructors in North America. There were some great instructors but for the most part, looking back anyways, were sub-par at best. The terrible part was the good ones were so burnt out on trying to teach people that did not really care or have any idea about the restaurant industry, they just did not care anymore. 

Admissions and Urgency to Enroll From the beginning of the process, I was constantly reminded of how prestigious the institution was. They made students write letters almost begging to be accepted. Once I was deemed acceptable, I got phone calls and letters congratulating me. I was told I was one of but a few that were eligible to attend and that I should enroll immediately. I felt special, like I had what was needed to be the best Chef in the world. Now looking at it, the speed of the whole enrollment process is comical. 

Other XXXX XXXX XXXX misled its students using harsh and predatory tactics. I have read in the past of class action lawsuits against XXXX XXXX XXXX in regards to their predatory practices. The shear magnitude of financial debt compared to my measly income, thrusted me into years of XXXX, XXXX XXXX and borderline XXXX. The plain fact is, I got a junk education that has costed me tens of thousands of dollars, ruined my credit, caused immeasurable hardship and pasted on to me a hatred for colleges in general. It has left me with an XXXX XXXX from a college that no longer exists.

Company response to consumer: Closed with explanation