Consumer complaint received 2018-05-02
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
REQUEST TO APPEAL MY DEFERMENT DENIAL OR CHANGE IT TO A FEE-FREE FORBEARANCE -- AND LOWER THE INTEREST RATES. 

ref : Private loan account # : XXXX / loan # XXXX XXXX XXXX XXXX -- managed by Navient for XXXX Navient did not explicitly address the issue in academic year XXXX. Navient simply answered by brushing the topic, on the behalf of XXXX, via an email sent to XXXX ( see attached PDF ) -- that it was the responsibility of the school and the student to choose the best loan option. 

How could I, the student, get Federal loans, in XXXX, when XXXX did not make the option available for me, as a student of the XXXX University XXXX XXXX, while the school was still approved by the XXXX XXXX XXXX XXXX 

In XXXX, XXXX did not make the option available for me. My federal loan was denied, by claiming that I had reached the maximum Federal Loan limit, the only option available, in my case, was Private Loan, according to XXXX. If not accepted with a Co-signer, I would had been expelled from the school, with no guarantee to get re-admitted -- and one medical school does not want to accept transfer credits from another medical school. The only option was/is to start all over again, because medicine is a locally regulated profession, all over the world. Either you have a diploma equal to license to practice or you do the education over again, although it is the same anatomy everywhere. 

In XXXX, XXXX University of XXXX XXXX XXXX XXXX was still approved by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX was the company assigned, by XXXX, to process Federal loan request for students attending the XXXX University XXXX XXXX. In academic year XXXX, I requested for Federal loans and my request was denied. I had to complaint to XXXXXXXX XXXX XXXX XXXX to get Federal loan from XXXX in academic year XXXX. Other students had the same problem with XXXX. After this issue, the XXXX XXXX XXXX XXXX had changed the application process system and my Federal Loan requests were later processed by StudentLoans.gov. 

Again, how could I get Federal loans when XXXX did not make the option available for me, in XXXX? 

I understand Navient that Navient refused to process the deferment because DOE revoked the Federal Loan Certificate of MUL.   Nevertheless, it is unjust for the XXXX to not allow Deferment for students who got loans via MUL. XXXX knew that it was/is nearly impossible for the students to get transfer credits from XXXX medical school to another medical school. You have to start over again. The practice is the same in the XXXX and in other countries. It is because medicine is a regulated profession everywhere in the world. It is irrational to not approve a deferment for students who attended XXXX. 

Clearly, Navient and XXXX were/are tolerated by the system. 

On the Navient XXXX, under " private loan '', the options are for payments only. Navient said to call to request for the Forbearance. When I called ... Navient required me to provide a credit card number to charge a fee twice to process the Forbearance until XX/XX/XXXX. Other private lenders do not charge a fee to process a forbearance. 

Why does Navient require a credit card number to charge a fee to process a Forbearance? 

Finally, Navient/SallieMae increased interest rates too high and added too much fees to this loan, even from XXXX to XXXX, while MUL was still approved for deferment. In the past, I repeatedly paid forbearance fees when it should had been deferment or fee-free forbearance and lower interest rates. 

While trying to use the assistance of the XXXX XXXX in XXXX, to avoid the cost of a lawsuit in XXXX, to get my diploma in an amicable way, I have Navient breathing down my neck, pushing for a lawsuit. The judicial system is totally controlled in XXXX, making corruption easier. With cronyism, MUL can easily win, a local lawyer informed me. The way to go is amicable solution or ( if amicable solution failed XXXX to have money ready and be prepared to lose the case, at all court levels in XXXX and then export the case out of XXXX and sue MUL/Poland in XXXX XXXX courts. 

In XXXX, the XXXX XXXX in XXXX acted indirectly, on my behalf, to recoup a MUL overcharge from my XXXX  funds account. With the case of my XXXX diploma ( hijack/retaliation ), the XXXX XXXX said can not act immediately., due to federal regulations XXXX XXXX XXXX. The case has to be trialed as civilian and must fail first to resolve in XXXX 's court system, for the XXXX secretary of state to authorize the XXXX XXXX to intervene. 

At this time, I need resources and time to get my diploma. The XXXX DOE decision caused XXXX to retaliate against XXXX students. DOE provided us no explanation for revoking the certification of MUL, while many other Polish schools still have their XXXX / Deferment certifications : XXXX XXXX University, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX XXXX The XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX XXXX, XXXX XXXX - XXXX DOE is well aware that it is nearly impossible to transfer such credits to another school. I can not make any payments and the co-signer Navient can not afford to make the payments either. The solution is deferment or fee-free forbearance and lower the interest rates. 

MUL hijacked my diploma. Unlike in the XXXX, where MD diploma and medical license are sufficient to get a salary that can pay such large debt. In XXXX, you must have XXXX  diploma, in addition to MD diploma and medical license in a specialty. Otherwise, they will pay you " potatoes '' in XXXX. 

Forget the option XXXX / ECFMG option. The billions of English speakers XXXX in XXXX, XXXX, XXXX, ... ) seek to come to the XXXX. As a result, residency and fellowships jobs require XXXX students ( even if they are XXXX citizens XXXX to score much higher on the XXXX steps than the students that study in a medical school in the XXXX. The difference to get the job is XXXX points XXXX XXXX points for insiders ; XXXX points for outsiders XXXX. Some XXXX employers even require XXXX applicants to have research experience and/or PhD diploma, making it nearly impossible to come back. 

Unlike the XXXX system, CNS, the counterpart of XXXX in XXXX, have collaboration with employers in XXXX. XXXX will pay for XXXX citizens to study medicine outside of XXXX, but scoring system and employment conditions, are the same as for XXXX citizens that study in XXXX. 

The only way for me to get out of this DOE/SallieMae/Navient fiasco is to keep fighting to get the PhD diploma from XXXX, to obtain my XXXX XXXX license in radiology, in the shortest time possible. With a XXXX license, the requirements to come back to XXXX are less complicated, vary from XXXX XXXX state to another but still less complicated. Depending on XXXX states, field of specialty and employers, some requirements can be even waved. Even if XXXX XXXX XXXX laws are changed, by the time I finish, I XXXX even chose to stay -- as salary paid to radiologists in the XXXX XXXX as competitive as salary paid to radiologists in the XXXX XXXX 

Once I complete the education, then I can pay back the debt, all together to DOE/SallieMae/Navient and ReliaMax. It is impossible to pay the debt with a low-paid hourly job. It absolutely out of question to stop pursing the PhD diploma because of impatience and threats from Navient. With Navient trying to exit this mess, as quickly as possible, on the behalf of XXXX, by targeting the house of the co-signer, risking to put the co-signer and his family on XXXX XXXX, then my plan to pay back the DOE/U.S. government and the other lenders is at risk. 

Again, I request to appeal the deferment denial or process a fee-free forbearance and change the due date to until the date written on the deferment request form XXXX XX/XX/XXXX ). Also, I ask Navient/SallieMae to kindly lower the interest rates. They were/are way too high.

Company response to consumer: Closed with explanation