Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
on XXXX XXXX I took the XXXX School loan for the amount of {$8500.00} and now the loan is at {$12000.00} and it has been a hard time because i havent get my license XXXX because the exams are very expensive and they do not want to provide alternatives to take out the co-signers and I am having a lot of problems with my co-sg\giner On XXXX XXXX I took a loan for {$30000.00} to complete my XXXX education and the loan at the moment have increased to {$49000.00} which to way high in interest On XXXX XXXX i tooka tuition loan to graduate for {$15000.00} and with the interests now is at XXXX. Aftyer I graduated I have had to work very hard for my last emamination with the XXXX program to become XXXX due to the problem with the economy I havent been able to obtain XXXX for the last exam due to family problems with these loans and made me behind becuase i could not take my last exam on time and I have had to repeat several times the exam. I am only XXXX step away but it happened to be that they made retake the entire exam. My income for XXXX was XXXX and I had to leave my house a live with a friend so I could pay my exam again which was XXXX plus tickets, loading and expenses and I have to retake XXXXparts more which are XXXX more plus tickets and expenses. I havent have support of my family due to the situation with navient. Now Im a full time student comleting my XXXX degree and they took out the deferement adn forebearance because I already exhauted them. However been on forebearance and deferrement they reported to the credit reports agencies hat I had several past due amount and damage my credit, my mothers credit and my fathers credit. I do not belong form a rich family and I took loans because I wanted to become XXXX but due to the economy I was left behind. I have been working with them for more than a year to erase the bad reportsI ve on my credit and provide other options to take oout the cosigners and they do not want and I have been receign the same letter from them every month. Now XXXXIm stilla full time student and they made me paid for the last XXXX loans starting XXXX and For XXXX I have to paid {$350.00} which I do not have because now I need to move, my friend only helped my for 3 months nad I took 1 yrand I need to move out, I donot have a car o a good job, my job only pays me the minumun and I not practicing my career until I get the exam approved. I can not even pay a rent of the house. I told them to lower the amount of interest they are charging because Is way to much and they said no. They do not want to continue my deferment and as far as I know I can be on deferment because I am a full time student, I have to c\work and studiy for myXXXX and the XXXX exam is killing me. XXXX is very expensive and I am just XXXX step away but last year it happened they same and I had to repeat because that is another business to get moeny from the student they failed you. I do not know what else to do. I want them to put my loans outstanding becaue i was never late because I was on forebreace and deferement for the past years because I could not pay, My loans never went to default. But they hight interest they are charging is inapropriate, XXXX interest for only XXXX loan? I want to take out my parents of them and clean their credit and clean my credit so I can get a better chance and pay them, They have been holding me and damaging my credit and how I am supposed to pay them and try to consolidate? Not fair. interest were very high. Even if I took the loand 10 yrs ago i am still struggling with the econmy trying to get a better job but I a not even working on my field. they are abusing.

Company response to consumer: Closed with explanation