Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had SEVERAL issues with XXXX XXXX/Navient. I was hospitalized while attending XXXX XXXX and received money from XXXX XXXX. I had to be flown out for XXXX XXXX where my insurance would cover and the recovery took roughly about 2 months due to complications. <P/>Years later, I started attending college again. I consolidated ALL of my loans through NAVIENT and I have been paying my school out of pocket since XX/XX/XXXX. When I pulled my GPA up and consistently passed my courses and made payments for school each semester, I wanted to finally be able to use a student grant to pay for my classes. I was told that Navient was holding me back from being able to receive a grant. That is when I contacted Navient in XX/XX/XXXX. I was told that they had sent my account to the XXXX XXXX XXXX for non-payment. I asked why it was sent there if I had been enrolled in classes at LEAST 1 semester was part time per year and I have been paying them out of pocket. They told me there was nothing they could do and I would have to just pay the XXXX XXXX XXXX {$5000.00} in full. I asked about my other loan accounts and was told those were NOT sent to XXXX XXXX XXXX. When I asked why 1 account was sent when all of them were supposed to be consolidated together, I was not given an answer. I was told I had to pay {$5000.00} in full to the XXXX XXXX XXXX and 3 consistent months of {$150.00} payments to Navient for my other accounts and THEN they would allow the school to provide me with a grant. I told them, I have a 10 year old car that is falling apart, paying for school out of pocket, unwed, unassisted with housing/food/family/etc., and there was NO way they could help me with at least the payment amounts? They said no. I 'm still paying for school because I refuse to give up my education in hopes of a more successful future. I am 1-2 semesters away from my XXXX XXXX degree ( depending on how much I can afford to spend per semester ), and then I will persue my XXXX XXXX degree. My credit has been tanked solely due to student loans and medical. I feel like I am drowning debt and have to sacrifice my credit just to keep myself afloat with the essentials in life and 1 or 2 classes per semester.
<P/>
Navient was supposed to consolidate ALL of my loans together. I do n't understand how 1 of my accounts was sent to the XXXX XXXX XXXX when they were ALL supposed to be the same account and kept together. I feel robbed and lied to. Now I have a ruined credit score and am flat broke scraping by. I called XX/XX/XXXX to set up my payments for 3 months of summer so that I could get grants and take more classes in XX/XX/XXXX so I could just get my XXXX 's taken care of. I was told that I still had to pay {$5000.00} to my account at the XXXX XXXX XXXX in full and that my monthly payments to qualify for grants was now 6 months! I just can not get a straight answer. With all of the scams going around, I am so confused. I am willing to pay my debts, but I do n't know who to pay or how much is the accurate amount because things keep changing with the deadlines they give me, the monthly charges they provide me, and their refusal to email me anything in writing. It 's almost better just to totally butcher my credit and spend my money on school like I 'm doing now rather than give it to a con artist and still not be able to receive my education.

Company response to consumer: Closed with explanation