Consumer complaint received 2017-12-14
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So I graduated with my degree in 2005 From XXXX XXXX. I received my XXXX XXXX XXXX XXXX XXXX. My student loan debt I borrowed was around {$18000.00}. At the time after I graduated I was working 2 fulltime jobs. Making a car payment, insurance, rent, utilities etc. I was barely making ends meet and had several times power shut off, or skipped payments to other bills because I made so little. I was constantly getting calls from my student loans to make payments. All of which I could n't even afford the minimum payments. At the time I ran from debt calls, I called a few times to make payments and they were too small and would not work with me over the phone. I ran from payments for as long as I could since I was barely making {$15000.00} a year with two full-time jobs. My pay was horrible despite working so much. After a while, I got letters about forbearance and used those even though I wanted to make payments I could not get the minimum payments down. They were not accepted at the time. I would have been happy paying XXXX to XXXX dollars and still struggling with that. They were not excepted. I was in my XXXX 's at the time I wish I knew then what I know now. Over the years, it was just replying yes to an email to postpone and file forbearance. It was so easy, I remember once just calling in and the operator 's first response was Hello XXXX XXXX we understand you would like to file forbearance. Even though I did n't even say that or mention it. I wanted a payment plan at the time. I remember thinking at the time I will NEVER be able to fix my student loan debt. I just wanted to make payments. My interest charges just stacked and stacked and stacked over the years. I am now XXXX. I have a family, I am married and I want to pay off my loans as much as possible. The ONLY reason I am now able to make payments is because of my WIFE helping me with her income alone. This is sad, and it hurts to see her income helping me fix my loans. It was almost as easy as when credit card companies were able to just go to college campus say sign here and you had a credit card and were able to use it. I too was young and XXXX and fell into that trap. I have since learned many lessons. I am annoyed that Imy student loan debt has grown to over {$45000.00} dollars from Navient and XXXX XXXX. They have grown their interest charges so much that they have racked in over 27000 dollars. I went the local college rout and I also did the university rout to finish. I worked full time while attending school fulltime with XXXX credit hours. It was an XXXX degree and that was never going to help me pay my bills. It was never going to help me in my future. I have no clue what I was thinking at the time going for art and thinking I would find a job to help me with my future with it. These are the things that make student loan forgiveness worth a try. I would never send my child to college after this, my wife feels the same way. Never would I want someone to get into debt and not be able to afford their future for a piece of paper that barely helped you to begin with. College is a joke and Colleges are just business. I do n't know anyone in my life who would say different now. I would like to file a complaint. If I owed what I owed back then I think I could pay my loan off. I could pay XXXX dollars and feel good about paying it off. Owing what I owe now after years of interest charges I find a never-ending payment until I die with interest just growing and growing.

Company response to consumer: Closed with explanation