Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I want to warn people before they attend this " college ''. I wish I would have done some research before enrolling at University XXXX XXXX online. In XXXX, I was a new mother of XXXX beautiful girls who were XXXX and XXXX at the time. We lived in XXXX, CO. I was -- and still am -- a XXXX XXXXt. I worked for lXXXX XXXX XXXX XXXX, and XXXX at home and my ex was a XXXX XXXX XXXXt at the FBI headquarters in XXXX. 

I was contacted by a XXXX representative and initially, I did not want to enroll, but she talked me into it. She got down and related to me on every level in order for me to get the loan. She also brought up the fact of the money I 'd be able to receive and that I could use it for anything I needed or wanted, and that was money I did not have to pay back. She repeated the amounts over and over, then proceeded to ask me if I was ready to start the application process. I was really excited because she told me how easy it was going to be to repay, how easy it would be to find a job, and how it would benefit my children. Oh, how my life would change, she told me -- and indeed, it has changed ... 

I left my ex at the end of XXXX and moved from XXXX to XXXX XXXX with my XXXX small children. I continued to work as a XXXX  but had to move in with my brother when I got to XXXX XXXX. I lived there for about a month when I received a check from the XXXX Grants. I was able to get my own place and try to get things stable again. I continued going to XXXX and even though I had lower grades during this timeframe of transition, I was still passing. I thought how wonderful this is that they are sending me checks. I did n't realize where the money was coming from -- our tax dollars. I was so naive and in such a bad place in my life that I thought this would be an incredible solution, fix everything, right? 

In XXXX I XXXX with an XXXX XXXX in XXXX XXXX and XXXX. I also had become pregnant with my third child and was due in XXXX XXXX, XXXX, in which I had a c-section. My now husband and I moved a few times around XXXX XXXX, then eventually closer to his job to XXXX, CO. I started looking for employment right away. I started putting in applications at all sorts of places ; local government, computer stores, computer repair shops, police stations, courthouses, XXXX, XXXX, XXXX, XXXX, XXXX, the list goes on and on. I applied locally, I applied for positions that required you to move to another state, I looked for online positions, customer service positions, everything you can think of, I had put in nearly 1,000 resumes to these companies. Got one response from XXXX for a position that offered {$XXXX} a hour for an at-home tech. Someone else was hired after my interview that was more qualified. 

During this, XXXX academic advisors were contacting me. I finally responded and wanted to start repaying my loans as they were getting pretty high, in the {$XXXX} range. The rep stated how I could continue to go to school and I would n't owe anything until I was out of school. He told me -- now this is a new advisor -- that I would do so much better on my job search if I had a bachelor 's. He said it was n't that much more and I 'd be sure to get a great job then. I caved. He also told me how much more money I 'd get and emphasized on the fact that the grants I did n't have to pay back, and the loans would be incredibly easy to pay off once I got my " new job ''. 

I got the XXXX XXXX in XXXX XXXX and XXXX in XXXX. I was so excited, I reapplied at every single position I could find relating to computers, software, hardware, repair, web design, you name it! Nearly 2,000 resumes submitted later, I got one response : ridicule. " You went to XXXX online? You are a complete XXXX. '' I did n't get one interview. I continue to transcribe ... 

I had to get paying on these loans. Now I 'm at {$XXXX}. New academic rep! " You know ... if you get your master 's, you 'll have so much more of a chance of getting a job. '' Same routine, same exact target on my kids, my future, and now we 're getting into loans. " You wo n't have to start paying back until XXXX months after you graduate. '' Okay. What can it hurt? ( It 's not that expensive, either! He also stated ). 

Fast-forward to XXXX. Graduated with a XXXX GPA with a XXXX. Applied again at all of the places mentioned above, got one interview. The interviewer stated " Interesting, '' when she found out I had attended XXXX ... did n't get a call back. That was for a grocery store manager ... one of the most simplest positions in the world, which I actually HAD experience doing, and they hired someone without a degree. 

What am I going to do here? I have XXXX children, XXXX which has XXXX, and I 'm stuck with a $ XXXX bill that I can not even begin to imagine paying off at the amount of money I currently make. The bill will continue to grow each month due to interest, and here I am, on XXXX and XXXX XXXX for the time being, and I ca n't do ANYTHING about it.

Company response to consumer: Closed with explanation