Consumer complaint received 2022-01-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To whom it my concern, This is my story regarding my private loans that were taken out for XXXX in XXXX. I hope you can assist me in discharging the loan. 

In XXXX I visited XXXX with a friend who was enrolling into the XXXX program. Little did I know I would also join after a lot of heavy sales efforts from XXXX, XXXX XXXX admissions. They made promises regarding job placement, connections, and scholarships. I attended in total less then 6 months and amassed over XXXX in private loans. I was intrigued by their XXXX program after admissions and their career team took me through the many job connections and large salaries their graduates were making. For a young man to potentially make XXXX starting was extremely enticing. They had lots of swag from companies to hand out and sold me on their graduates of the XXXX program. Little did anyone know at the time this was completely a lie. 

I began to questions their ethics when I was receiving A graded work and couldn't understand the mot basic parts of XXXX I complained to the teacher and dean both of whom assured me I'm doing great and will have a lot of opportunity with career services. As I continued to receive A 's but couldn't do the basics I again complained but this time was ignored. I left the program in 6 months with federal and private student loan debt. Here is where it gets into a hardship ; In XXXX I filed for XXXX bankruptcy but was not granted discharge of my XXXX private loans. Navient made me pay and use aggressive collection efforts when I could not. They offered no solution other then pay or face penalties and garnishment even though I was bankrupt. There was no light at the end of this tunnel until borrowers defense started helping students who were defrauded by XXXX. I applied in XXXX, and again in XXXX both were denied, federal and private. 

I was a student defrauded by XXXX in XXXX yet since it didn't happen on or after XXXX I was denied. I did not complete any program with XXXX and left the school due to their questionable practices and requirement of taking out private loans. Yet I couldn't get reprieve from bankruptcy court, or borrowers defense. In XXXX of XXXX I did a forbearance on these loans because I needed the money to feed my children. I lost my job due to the pandemic In XX/XX/XXXX, and have turned in over 65 applications with no return. My unemployment ran out long ago, as did our savings, I have no other options. I will have to do forbearance on these loans indefinitely causing financial hardship and penalties. It is the only solution Navient will grant me. This is not fair to me or my family. I was defrauded, I have over XXXX in private XXXX loans to this day. The interest will compound, my credit will sink, and my families present and future will be at risk. 

I'm not asking for discharge of my federal loans associated with XXXX, only the private. I can assume the responsibility of paying back my federal loans. But come XX/XX/XXXX when the repayment begins on the federal loans I will not be able to pay anything to the XXXX Navient private loans and will once again head down a path of possible bankruptcy to seek this discharge. 

Please help us, Id like for my XXXX year and XXXX year old to have a healthy present and future. 

XXXX XXXX

Company response to consumer: Closed with explanation