Consumer complaint received 2023-06-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I submitted a requet to have my student loans discharged due to the closure and curruption practices of the college the loans were approved for. The college that I attended was located in XXXX, NC named XXXX XXXX XXXX. I dont understand why I have two set of loans for a XXXX  trade school almost exactly a year apart. The class is a trade school paid upfront with approved studet loans for the whole estimated part time students for the state of North Carolina requires XXXX clock hours for the XXXX  course. Students are expected to complete the course in no more than 133 % of the program length. If a student is never absent, he/ she should complete the course within XXXX to XXXX weeks for a part-time student. Due to being eligible to return in XXXX, I should have not had to apply for another student loan and I did not receive and funds back. The loans support deceptive practices. The second round of loans were even more than the original tuition. 


disbursement date of XX/XX/XXXX in the amount of {$2000.00}, XX/XX/XXXX {$1300.00} and {$2600.00} = {$5900.00}. ( Documents Attached ) disbursement date of XX/XX/XXXX for {$2600.00} and XX/XX/XXXX in the amount of {$4000.00} = {$6600.00} ( Documents Attached ) If I didn't maintain the required attendance required, it should have been reported to my student loan provider and would have been ineligible Common for XXXX  schools do not have a leave of absence policy. If the student needs to take off more time than allotted in the contract or more than 14 consecutive calendar days, he/she must drop and reenroll when ready to return. Students who withdraw prior to completing the course of study and who wish to reenter will reenter at the same progress status as applicable at the time of withdrawal. Course incompletes, repetitions, and noncredit remedial courses have no effect upon the schools satisfactory progress standards.

Reason ( s ) why request was denied The school to which your loans were disbursed hasnt been reported by the U.S. Department of Education as being closed and The student ceased to be enrolled at the closed XXXX XXXX campus prior to XX/XX/XXXX. ( NOT THE COLLEGE I ATTENDED ) ( Documents Attached ) I have attached the school accreditation dates from https : //ope.ed.gov/XXXX XXXX  U.S. Department of Education . I could find it, I dont understand how Navient could not and returned with a different school name listed. 
Its XXXX XXXX XXXX not XXXX. I uploaded the auctual XXXX school information. The school is not even similar. ( Documents Attached ) I cant get my transcripts, attendance, hours completed, nothing. It is like I never attended the school accept for the student loans. ( Documents Attached ) I also tried to get the history for verification for sending the request to Navient, Account do not have any documents available that I sent to Navient. ( Documents Attached ) ... More info on DETERMINATION OF PROGRESS STATUS Students meeting the minimum requirements for academics and attendance at the evaluation point are considered to be making satisfactory progress until the next scheduled evaluation. 
REINSTATEMENT OF FINANCIAL AID for those who qualify If applicable, Title IV financial aid will be reinstated to qualified students who have prevailed upon appeal or who have reestablished satisfactory progress by meeting the minimum cumulative attendance and academic requirements. 
PROBATION AND REESTABLISHMENT OF SATISFACTORY PROGRESS Students failing to meet minimum requirements will be notified in writing and placed on Financial Aid Warning for the next evaluation period. They will be counseled regarding actions required to attain satisfactory requirements by the next evaluation point. During the Financial Aid Warning period, students are eligible, if applicable, to receive financial aid funds. 
If, at the end of the Financial Aid Warning period, the student still has not met both the attendance and academic progress requirements, he/she will be ineligible for Title IV assistance.

A student may appeal the Financial Aid ineligible decision if he/she has a reason for not making satisfactory progress and if he/she can document that the circumstances that caused the unsatisfactory progress determination have in some way changed and that satisfactory academic progress standard can be met by the end of the next evaluation period. A student has five ( 5 ) calendar days from the date of notification that they are not meeting the second consecutive satisfactory progress determination to appeal the unsatisfactory progress determination. If the student appeals the decision, and prevails on appeal, they will be placed on Financial Aid Probation.

The basis for filing an appeal, such as death of a relative, injury or illness of the student, or other special circumstances, must be documented. The student may obtain an Appeal Form from the Financial Aid office, once the Appeal Form has been completed by the student it must be returned to the Financial Aid Office. Please see the Appeal Procedures. If the school grants the appeal, it may impose conditions for the students continued eligibility to receive Title IV, such as changing schedules. For students who are not meeting academic requirements the schools educational team will develop an academic plan that will assist the student in meeting the schools academic requirements by the next evaluation period.

If the appeal is granted the student will be placed on Financial Aid Probation for one evaluation period. If at the end of the Financial Aid Probation period the student has not met both academic and attendance requirements all federal aid will be suspended. Students may reestablish satisfactory progress by meeting minimum attendance and academic requirements at the next evaluation period.

If the student has not met academic and attendance requirements for two ( 2 ) consecutive evaluation periods, and does not prevail on appeal, the student will be determined as not making satisfactory progress and may be terminated.

This policy applies to all students regardless of whether or not they are eligible for Title IV funding programs. In order to comply with DOE requirements the terminology financial aid warning or financial aid probation will be used for both Title IV and non-Title IV students.

Company response to consumer: Closed with explanation