Consumer complaint received 2018-12-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Actions taken : Wrote to CEO XXXX XXXX in XX/XX/XXXX Wrote to US Department of Education Office of Inspector General Hotline in XX/XX/XXXX and the complaint has been received since XX/XX/XXXX Please read below my complaint and take necessary action. 

XX/XX/XXXX To Whom it May Concern, I earned my XXXX XXXX XXXX at XXXX XXXX XXXX. I attended that institution from XXXX to XXXX. Back then, I never paid more than {$1600.00} per year {$800.00} per semester. I consolidated all my loans after my graduation and started paying {$300.00} per month for a couple of years. At that time I was making {$28000.00} working for the XXXX XXXX XXXX as an XXXX XXXX. 
During this period I married XXXX XXXX XXXX. He decided that I was using too much money for myself by paying my own loan, because I was the only one working and was the breadwinner for XXXX of us. So he was determined to find a way for his debt to be paid even though he wasnt working. 

In XXXX, Navient in complicity with my husband deceitfully misguided me into a joint consolidated loan. My husband was verbally abusive, calling me selfish, unfit mother and used all kind of threats and intimidation to stop me from paying my loan. He contrived a plan to consolidate his debt with mine and a navient customer service representative convinced me that it was in my best interest. This representative claimed that this would be the best deal I would ever have, if I consolidated with my husband. I reiterated that my student loans were consolidated previously. The Navient agent kept on telling me : " Great! You still can consolidate and it is going to be in your best interest. The agent provided me with unclear and deceitful information such as : 1- I can re-consolidate with my husband even though I have already consolidated. 
2- The joint consolidation will decrease my interest from 6 % to only 2 %. 
My husbands plan was to make me pay the entire loan myself. I did pay it from XXXX to XXXX until my husband forced me to resign at the XXXX XXXX and move to Florida. There, I continued paying until XXXX. Unfortunately, it is after this move to Florida that I learned my husband had been XXXX XXXX XXXX XXXX, since she was XXXX. He wanted us to be away from family and friends so he could XXXX XXXX XXXX without the watchful eye of those who loved me and my children. At this point, I was still with my husband and he was working and he did not pay his fair share. Instead, he put pressure on me and tried to force me to sign for forbearance. After I knew about better options, I refused to sign for forbearance. My husband then forged my signature in order to get a forbearance. I informed Navient about it, they told me they can not do anything. 
The XXXX XXXX that I suffered and knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX led to my divorce. After this traumatizing event, I was unemployed for 7 years trying to rebuild and recover from such damaging period in my life. I informed Navient about the aforementioned facts and reiterated that I am currently unemployed. Navient never informed me about loan forgiveness and/or income driven repayment. In fact, it kept on steering me toward multiple forbearances. I just learned if you work for a XXXX XXXX for 10 years, your school loan can be forgiven, I was with the XXXX XXXX for 6 years. If Navient did not fail to inform me, I would have fought to stay with the organization  until I retired. 
I know that my student loans were around {$10000.00}. I had paid {$300.00} for 3 years before re-consolidating with my husband in XXXX. Then I continued paying for 3 more years until my abusive ex-husband forced me to resign another job. From my calculations I have paid off 80 % of the debt that I previously had. On top of it, I paid Navient for 3 more years after the deceitful re-consolidation. I do not understand how I ended up owing {$78000.00} to Navient ( seven times what I owed in the beginning )? Please, help me sort this out and allow me every concession possible in order to reduce this debt to a reasonable amount. I ask that you waive fees, reduce the interest and present a payment plan that is reasonable and that also requires my ex-husband to be responsible for his portion of the debt. 

Please bear in mind that I am currently unemployed due to XXXX XXXX wickedness and I explain : XXXX and I have an XXXX  son of whom we share a joint custody. My son is in XXXX XXXX and he goes to school from XXXX to XXXX. On the week my son is with me, my employer allowed me to work 30 hours as to be home upon my son arrival. On the week he is with XXXX, they expected me to work 50 hours as to compensate for the previous week. In four occasions, XXXX did not pick up our son on the week he was supposed to, which precluded me from binding with my work schedule. I got fired from my last job since XX/XX/XXXX. 
If this is not yours, please let me know whom to send it to. 
My email address is XXXX My phone  number is XXXX Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX ( formerly XXXX XXXX XXXX )

Company response to consumer: Closed with explanation