Consumer complaint received 2020-03-04
Company: Navient Solutions, LLC.
State: CA
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:
I attended The XXXX XXXX of California - XXXX XXXX XXXX, a California corporation XXXX The California XXXX XXXX XXXX XXXX, a California corporation ; from XX/XX/XXXX to XX/XX/XXXX. The program I originally enrolled was Fashion Design. On XX/XX/XXXX I transition into XXXXnterior Design. I was told since we are in XXXX XXXX the market for Interior Designers was better ( more job opportunities ), and I liked both so I made the change. I enrolled under the impression all the programs at the school were accredited. Then I was told by the school staff that XXXX XXXX XXXX located in XXXX XXXX had the accredited Interior Designed program, so I transferred. After I transferred I realized that the information was not correct and the program was not accredited. So I transferred back to be close to my home and my job. I was struggling working full time and trying to go to school full time. Finally on XX/XX/XXXX I finished the program under the impression I had achieved a Higher Education. 
In XXXX Navient wanted {$1000.00} per month, and the federal loans also demanded {$1000.00} monthly payment, I was bringing home about {$2200.00} net wages per month. I was on default for a long time on both. Finally the state was able to assist me with programs that allowed me to make payments under {$200.00} per month ( but this could change at any moment and if they decide to increase my monthly income I will be on default again ). On XX/XX/XXXX I contacted Navient ( spoke with someone named XXXX ) to see if they could work a low payment, they offer me a monthly payment of {$380.00} from XX/XX/XXXX with a final payment on XX/XX/XXXX. I explain to XXXX that I did not have that amount available every month, not even half of that. We calculated my expenses and income. I asked if I could talk to someone else to approve a lower payment and XXXX responded the only person that could approve a lower payment is my supervisor but I see that you could not pay so I know he will denied it. I asked XXXX if they offer any type of programs similar to the federal loans such as IDR, forbearance, consolidation, his answer was not for private loans. I have three private loans with Navient, as of XX/XX/XXXX : XXXX XXXX XXXX loan XXXX original principal {$16000.00}, unpaid principal {$56000.00} XXXX including capitalized interest ), current balance {$60000.00} ; XXXX XXXX XXXX loan XXXX original principal {$14000.00}, unpaid principal {$30000.00} XXXX including capitalized interest ), current balance {$31000.00} ; XXXX XXXX XXXX loan XXXX original principal {$4600.00}, unpaid principal {$8600.00} XXXX including capitalized interest ), current balance {$8900.00} ; Total Current Balance {$100000.00}. The following year XXXX XXXX ) I tried cut down some of my expenses, tried looking for cheaper rent without sacrificing my childs safety. I started driving uber but the money that I was making was for maintenance, gas and other job related expenses. At the end of XXXX I realized that I could not make the payments. As of XX/XX/XXXX I received minimum three ( 3 ) calls every day from Navient, but XXXX advised was to contact them once I could make the payment. 
I was told the program would cost me around $ 72K total, but because I already had an AA degree and had taken all my general education classes it would be half of that I would be finish in less time. In many instances, the financial department contact me to go to the office and explain me that the loan amount I had previously acquired was exhausted and had cover my tuition ( classes ) so far, but if I wanted to continue with my education I had apply for new loans. They told me were to apply and after I finished the application they just say if you do not get approve we will contact you. I was never told how much I was getting approve for or how the loan was distributed. After graduation I tried to work something out with the institutions to make the payments but they would not help much their answer was/is you could not settle the loan amount because no matter what you will never get the student loans discharged. I asked if I could consolidate them, their answer was no. In XXXX I paid over $ 25K private student loans to one institution. 
I was looking at different options to solve/fix my student loans and I came across Civil Action No. 07-461, case 2:07-cv-00461-TFM False Claims Act, 31 U.S.C. 3729-33 ( FCA ) ; California False Claim Act, Cal. Govt Code 12650 et seq., and other States. XXXX XXXX XXXX and its subsidiary corporations listed in the caption, presented and/or made numerous false claims and statements in order to obtain eligibility to participate in Title IV, HEA program from XX/XX/XXXX to late XXXX ( or later ). As stated/proven in the case file school officials made sure students enrolled and the loans ( private and federal ) were approved for their personal financial unjust enrichment. In addition, Navient, formerly known as Sallie Mae , Inc. case 3:17-cv-00101-RDM - Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.,  based on unlawful acts and practices in connection with Defendants servicing and collection of student loans.

Company response to consumer: Closed with explanation