Consumer complaint received 2016-07-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
RE : XXXX XXXX XXXX Date I have a serious problem with XXXX XXXX. 

This letter I write today is in regards to a corrupt government business XXXX XXXX loan services. Please read the following letter. I am desperately seeking help to Understand my options on this student loan. 
It has come to my attention that I can not find an attorney or advisor to explain my rights for no one will challenge the government in student loan issues. I 'm just requesting that this letter is reviewed and perhaps someone or some firm will challenge XXXX XXXX. 
I feel I am finically trapped with this debt and the interest keeps accruing on the loan and something is not right on the procedures That have occurred thus far. 
Here is my story : My name is XXXX XXXX and in XXXX my ex-husband and I ( XXXX XXXX XXXX Consolidated our personal student loans into XXXX Student Loan sum with XXXX XXXX. 
The total loan that was consolidated was was approx a total of {$67000.00} which included 65 % of my college debt and 35 % of my exes college debt. 
XXXX XXXX bought my exes debt from the bank- XXXX XXXX XXXX XXXX XXXX As well as my debt from a the bank XXXX XXXX XXXX 
The percentage rate was XXXX and that was the combined consolidated loan for {$67000.00}. We XXXX signed A document which indicated the amounts that XXXX XXXX consolidated between my debt and my exes debt which had the amounts broken down for each individual. I never received a copy of this document but it was signed by me and my husband and sent to XXXX XXXX in XXXX of XXXX. The loan was set up that I was the primary Lender and my ex was the co-signer because my credit was exceptional And I held 65 % of the debt. 

Late XXXX after we started to work in our professions my husband at the time and I started to make payments as a married couple to this consolidated loan. 
-over a period of three years my husband and I had a few financial hardships and Had to defer the loan a few times but the interest stilled accrued of course. 
XXXX I filed for divorce with my husband XXXX XXXX and the loan still remained in XXXX of our names. I contacted XXXX XXXX in XXXX And inform them that the divorce was final and requested for the loan to be split again into the percentages that needed to be paid by each party ( me and my ex ) It took XXXX years and millions of calls and letters written to XXXX XXXX pleading for them to split the loan and work with us since we were now divorced. Even in the divorce decree the judge ordered that XXXX now my ex, was to pay faithfully every month 35 % of his portion of the consolidated loan. sadly this never happened. XXXX and XXXX during the recession I gave birth during our divorce and I also lost my job by a lay off for the architectural firm I worked for in XXXX my profession was an interior designer at the time. 
I contacted XXXX and requested for a forbearance on the student loan that we had together. XXXX XXXX kept threatening me, even with me being unemployed recently divorced, and a single parent.. They insisted that that I was obligated to pay {$710.00} A month which was the payment on this consolidated loan with my ex and I. I sent XXXX numerous documentation indicating proof of my unemployment and my divorce decree that requested that XXXX pay 35 % of the loan. I even sent them information on where my ex was located at the time to contact him because he had a full-time employment and always had full-time employment and he was able to perhaps make some payments during the time of the forbearance. XXXX contacted him and we set up a payment schedule but my ex never complied. 
They begin harassing me by calling and letters and requesting payment to come through me because I was the primary holder on this loan so eventually the student loan went into default. I was unemployed and a single mom and on government assistance to keep my daughter from starving, and

Company response to consumer: Closed with explanation