Consumer complaint received 2019-08-12
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was attending classes through on line studies at XXXX University in XXXX, NC.I am not quite sure what happened as I was working full time and taking on line classes and I became quite ill  and notified the school and they told me that I  owed them XXXX. as I withdrew at the wrong time but my health condition affected my concentration and I though it best not to continue.I really didn't take that many classes at XXXX but somehow they were able to allow me to think that I was borrowing federal student loan money and I want to know how I am in debt for private loans and they recently lowered the amount to XXXX according to your last complaint closed status. I believe that lowered the full amount from XXXX to XXXX thanks to your investigation.

However, I was not exactly satisfied with the conclusion of that complaint as they may have lowered the amount but they also want me to pay XXXX  a month and after paying for rent, utilities and groceries, co-pays and premiums, I do not have that leftover to pay.  The emotional turmoil that I went through when I found out the XXXX due in private student loans did not only affect me but I kept talking about it to my XXXX year old daughter who was also XXXX and we both paid rent and lived together for the last five years of her life. We were two XXXX people trying to do our best.

However, my anger about this outrageous amount of money was something I couldn't stop talking about.  My daughter passed away XX/XX/2018 and I have to live with the fact that I kept complaining about these private student loans.  You will notice throughout all of my studies that I never took our private student loans until I went to XXXX.  All of the loans were done on line.1) My complaint now is how did XXXX get that kind of money for someone taking 1 class every six weeks.  Why I signed the forms on line not realizing it was private and not federal?2) Why XXXX allowed me to borrow that kind of money?3) XXXX says I still owe them XXXX  because when I became XXXX, I withdrew from a class just a couple of days after they could collect funds from the government and they continue to put interest on this money.  This is due the school and not part of the Private Loan Complaint I have already issued.  4) I can't realize how this all happened and how the Private Student loan collectors can expect me to pay XXXX a month and you just accepted their conclusion and closed  the case. I am not sure why you accepted their conclusion of XXXX per month.5) My federal loans were put in permanent discharge.6) I put all of my XXXX forms through to the private student loan foundation and they still came back with that high monthly payment.Please help me figure all this out and please do not accept there answer of XXXX  a month when my take home from Medicare Social Security is XXXX and my health is getting worse not better. I have three other conditions since I was first diagnosed. I pay XXXX in rent and this is how high the rents are as I am sharing with two other people at a different location.XXXX per month for food.XXXX per month for co-pays that include my prescription medications, XXXX XXXX and physician visits.XXXX towards credit car payments that I have to use as I run out of money on some months as my prescriptions, groceries run over and I have to use the cards.  XXXX for water and electricI have to use XXXX as I too XXXX to use a car so it's approximately 150.00 in charges for getting to my doctor appts.

Company response to consumer: Closed with explanation