Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XX/XX/XXXX To whom it may concern I am writing this letter out of pure frustration concerning my Parent Plus loan with NAVIENT I took out on XX/XX/XXXX for my son 's education. 
I have attached a letter of events that happened to my family which caused me to become delinquent on this loan at different times in the past, however I have continue to pay on this loan. There is no help for me in getting this loan paid off in my life time. The original loan amount was for {$13000.00} and my balance is {$4000.00}. It has gone down very slowly XXXX in 11 years. That is a absolute SIN! 
I call and try to explain to them what happened to us, and I send them letters of hardship but there is nothing they will do to get this balance down. 
I am frustrated to say the least and I do n't know what else I can do but to continue paying on this and seeing the balance staying about the same. 
Help, Here is my hardship, To whom it may concern, Let me explain how I got into this situation. I am married 42 yrs and I have XXXX children. My husband was employed at XXXX 46 yrs and just retired on XX/XX/XXXX. I am unemployed and never thought I 'd be in this situation like this in this time of my life. 
We just completed a short sale on our house in Illinois. We just retired and have no equity in our house due to the horrible hardships we have faced in our past. 
When my daughter was XXXX yrs old she was diagnosed with XXXX. At the age of XXXX yrs old she stared medication to XXXX. She was part of a XXXX. This was XX/XX/XXXX. At the age of XXXX she started XXXX at our home called XXXX. She was XXXX 3 years. For the past 3 yrs she was in and out of the hospital at XXXX, the gas, wear and tear on our vehicles, hotels stays, was very costly. 
At the age of XXXX she had XXXX on XX/XX/XXXX. The XXXX with our insurance coverage was {$3600.00} a month for 3 months with no assistance because we both worked full time in spite of the care we gave our daughter. XXXX. As life went on my daughter continued her education at the XXXX college and then on to a University XXXX at our expense along with student loans from XXXX. During the year of XXXX there were several times of trying to XXXX and more XXXX costing in the thousands. I eventually had to refinance my house to pay off these credit cards. I could not keep up with the monthly expenses. 
At the age of XXXX she had a XXXX on XX/XX/XXXX, XXXX. That meant XXXX, bills got behind, mortgage got behind, and more thousands of dollars for more XXXX. I borrowed more money from my equity and my mortgage goes up and up. 
On XX/XX/XXXX this XXXX with again numerous attempts to save my XXXX which means more debt. 
As of this date XX/XX/XXXX my daughter is on XXXX and having multiple issues over the years. However my expenses have n't changed, the loans are still there and life goes on trying to keep above float. 
As to put more burden on the situation during all of my daughters issues my son graduated from high school and went onto a XXXX. Another student loan was needed. While in School his XXXX with no reason, more medical bills another forbearance from " Navient '' without telling me the interest does not stop.His XXXX then another forbarence, with interest compilling up!!! I need help with a forgivness on this loan, it 's been very hard to keep up. I have called & asked for help with no prevail.

Company response to consumer: Closed with explanation