Consumer complaint received 2019-07-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
well it started in XX/XX/XXXX when I signed up for XXXX XXXX of XXXX and XXXX in XXXX PA, and I was told my financing would be through sallie Mae I was told I would not have to start paying back until 6 months after I graduated, well I finished school in XXXX of XXXX and XXXX of XXXX I received my first bill, and it was way more than I had been told it would be, I called Sallie Mae, and was told the extra amount was due to the fact that I didn't pay any of the interest while I was enrolled in school, I said I can not afford that payment, I was told, that is the amount I needed to pay, so I paid what I could, and as the months went on, I kept getting larger and larger " minimum amount due '' I finally realized that absolutely nothing was coming off the principal, I called them and asked, and it was explained to me that every month I paid less than the minimum due there was penalty put on, and all the interest and penalties would be taken off my payment first and if anything was left than it would come off principal, I was just going in the hole more and more, so, being young and XXXX, I stopped paying completely and I received periodic phone calls for a couple of months, than total silence, so I just forgot, and let it go, well approximately XXXX of XXXX I received a letter in the mail, not certified or anything saying I had a telephone court date, so I called in on the date, and the judge said, ok, what is the case here, I started to explain what I explained above, he interrupted and said, ok, you two sides work out a payment deal, and we will reconvene, and he got off the line, I said, I guess we need to work something out, the person for Sallie Mae said, we will accept {$850.00} a month, I said, I can not afford that, and he said, there is nothing more to discuss, and hung up, and I went about my life, and no more calls or mailings, now move on to XX/XX/XXXX I go to buy a car, and am told I have 2 judgements on me, so I look into it, and was told I had 2 default judgements on me from Sallie Mae for not calling in on the court date, I was never notified of any other court date except the one I called in on, the never sent anymore notification or anything, one judgement from XXXX of XXXX and one from XXXX of XXXX I had no idea of them, as soon as I realized, I was going to file an appeal, and was informed by an Attorney that there is a time limit to file an appeal, but I didn't even know I had them so I was way past the time limit, but above all, the judge didn't even give me a chance to bring up my defense that they are private student loans, and private student loans are subject to statute of limitations so they shouldn't have even been in court. this has ruined my credit rating, I can't get loans, my vehicle is a XXXX XXXX lease for {$600.00} a month, when you see them advertise for {$190.00} a month, but because of the unfair judgements I am ruined, than I see that they passed a law that XXXX veterans can get there loans thrown out, but only for federal loans, so, is there anything that can be done, I thing the judgements should be vacated and removed from my credit report and my personal file

Company response to consumer: Closed with explanation