Consumer complaint received 2022-02-27
Company: Navient Solutions, LLC.
State: FL
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:
My problem is with Navient, XXXX University and XXXX combined. I write this from my hospital bed after receiving days of XXXX and XXXX  for my XXXX  condition thats went away in XXXX and that has currently come back on XX/XX/XXXX. It is a condition and disease that can be activated by anything and be reaccuring if born with which is what it is in my case. Its a deadly condition. Since these corporations masked as educational systems and financial systems are great at requesting money for years from student like myself who didnt graduate college in there senior years of the due XXXX and XXXX recession im pretty sure they can XXXX XXXX or use the science. I attended what was my dream school XXXX University in XXXX as the first in my family to Ever go away to school. My grandmother XXXX XXXX who died in XXXX co-signed on XXXX loans for me with a retired income she of XXXX a year.. of corse I could not have achieved getting a loan on my own because I simply had no credit history but, I had every hope and dream to graduate college one day to make enough to actually pay these loans back but when the recession hit not only did my mom loose her job XXXX but, I applied for a loan .. received a fully financialy cleared letter from XXXX University, got on a plane, went to classes and alll while I know a lot of XXXX XXXX  students like myself first time going away are not as educated on loans and how companies change loans .. will created aggregated loan limits on co-signers ( expecially during the recession ) but they will also more than exceed giving out loans. Nevertheless, in late XXXX after sitting in classes beyond the financial deadline period I contacted my financial aid office actually for something else and was told I needed to come into the office for something they had to communicate with me in person.. I was informed that we do not know if the funds were taken back but you will have to come up with XXXX to finish the semester I immediately began to cry because Im a junior/senior, recession hit, mom lost her job same week, and where on earth was a student getting XXXX overnight.. they then said since you were already in classes beyond the deadline period you can stay like a favor was being done.. I questioned them about the fully cleared letter and received different answers each time I cried on the floor in lobby that day for maybe 10 min straight until I saw another girl walk out said yeah its happening to a couple of us .. my roommate then hugged me and we went back to the apartment. I called XXXX and they gave me different papers with different dates saying we never sent funds, one rep said we sent and canceled because your co-signer has exceeded the limit .. One said we changed the loan due to recession.. I got different answers for years and you know no one cares about a young XXXX woman trying to graduate during a crisis.. so you can guess. I went home without a degree in XXXX, locked credits due to a owed bill while also student loans rolling in again yall do the math on the financial gap ratio and the burden placed on me with no degree to get a job to pay for both.. on my grandmothers death bed I promised her Id graduate I began working 50 hours to 60 hours to more a week in retail to try an pay XXXX ( left over bill ), rent, loans ..etc .. my grandmother on her small retired check also helped me. We gave what we had .. finally in XXXX my grandmother contacted the school and confronted them.. over night if someone goes an do the math .. a grant was added to the bill and the remainder was gone ..and my credits given.. i dont know how but this is the truth. I then slaved away working more to pay the loans on a non degree with useless credits in retail to go to XXXX college in XXXX with again my grandmother telling me she will see my graduate before she dies. During this time my health already began decreasing which if you need a record of hospitalization huh Ill gladly provide.. also I still was working crazy hours paying XXXX then Navient ( the loan buyer and trader ). Finally I received some forbarence after XXXX and Navient beautifully but me debt while enrolled in XXXX. I worked nights and weekends and paid for school in cash .. it took me until XXXX to graduate with a ba why because 1. XXXX University credits werent all recognized so I toook More classes.. even changed majors to help speed the process up and still had to start as a sophomore basically at XXXX in XXXX I was diagnosed with XXXX  and hospitalized and had to take a break from school and could really work 60 hours from a hospital bed .. told that I could not stress my body .. XXXX, XXXX, XXXX. During that time I received harassing calls from XXXX yes from the hospital bed pull the old calls if you must ( recorded line ) they told me you only qualify for repayment programso yes while still getting XXXX outside of the hospital finially the same year I went back to working 50 + hours, back to school after taking a little break, paying for school at XXXX and paying that repayment program .. imagine the load on someone who can die from a trigger of stress alone but in XXXX I graduated XXXX during what was another recession while stlll stuck in retail and without my grandmother getting to see it since she died in XXXX. The loans I have been faced with for a degree from XXXX I dont have Navient XXXX XXXX  XXXX XXXX XXXX XXXX. All totaling XXXX at least.. I havent owned not even a car or my own home yet or anything at XXXX living at my grandmothers and then at my moms.. once the pandemic got loans were for forbarenced brief for private loans and in that time I began looking for jobs I got a job finally all the way in florida for making 24 hourly still working so many hours ( 60 at least, ) to pay rent and Navient, and XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) without any degree from XXXX, I noticed during the holidays my health was off but I continued slaving because the XXXX  of loans from a school you didnt graduate from can drive one sick regardless I was paying and getting no sleep. I then knew I didnt want to die a XXXX so I finally got a normal 40 hour a week job to get me in the door to start a real professional career at a starting pay but my health was already too far gone as I rushed to the emergency room on XX/XX/XXXX a day before my birthday while working my dream job at home.. I was XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX and feeling horrible.. my XXXX  came back aggressively. I dont remember the XXXX as I received XXXX  XXXX  XXXX after my XXXX  dropped to a 4 and at that point the brain cant really function.. Ive been hospitalized twice since and sit in a bed at XXXX XXXX XXXXXXXX right now as again I type this. Ive tried my best to Graduate, to work, to pay on loans from XXXX University from a school I considered my heart and soul and attained no degree from.. I started from the bottom at XXXX got a degree.. attained a job and tried to pay XXXX XXXX XXXX and Navient and rent too the point that my lease is up XX/XX/XXXX because at XXXX I cant afford to pay student loans and rent and deal with a disease that I throat would never come back I even called to ask if I qualify for elimination and was boldly toldNo because your loans never defaulted its been truly a nightmare because they destroyed my credit I slaved to repair it and I have No degree from XXXXforced to find somewhere else to live from my hospital bed .. yet if I let them default I wont even be able to get an apartment with bad credit. The financial system knows this .. XXXX, Navient XXXX XXXXXXXX XXXX XXXXXXXX XXXX finiscial aid, XXXX XXXX XXXX are fully aware that Ive been sick, that I dont have a degree, that this occurred during the XXXX recession, that I cant even really afford to live without working 70 hours a week to pay all of them .. they actually crunch the numbers an say it but still request money from me I sit in my hospital bed and look at XXXX of debt from a school that was my dream.. I struggled from XXXX to XXXX to get a degree from a totally different school been through 2 recession and a pandemic someone please go do the investigation.. or Maybe we can all go to court from my hospital bed? At this point Ive lost so much in life as the first XXXX woman in my family to attend school away.. to think had Id graduated sooner life would have been different hat someone helped the students of the recession of XXXX or if not received a fully cleared letter without ever the truth being told about how it was even possible but yet I sit here in my hospital bed facing XXXX  XXXX triggered by what was stressmaybe if someone does a real investigation the truth will be as plane as day but what I wont do again is chooses student loan bill over XXXX. I wont choose living over it. I shouldnt be paying on loans from XXXX due to a recession, financial crisis, loans taking out based on a co-signer who made XXXX a year, and being told I was fully cleared the year of the recession then magically told I wasnt past the deadline period and forced to pay a bill at XXXX until a magical grant appeared in XXXX when I didnt attend? I dont mind going to court because This alone is destroying me

Company response to consumer: Closed with explanation