Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Greetings Consumer Finance Protection Bureau,  First off, I want to say that you are a Gift from  XXXX  by way of the   XXXX   XXXX       About a year ago, you helped me with my long-term credit card issues and I wanted to see if you could take a look at my subsidized student loans that I received from  XXXX  when I was pursuing a  XXXX   XXXX  at  XXXX  University. I did not finish the entire program, yet loans that I took out to pay my living expenses and school fees which amounted to anywhere from $  XXXX  have now ballooned to almost {$200000.00}.     I do know that I have struggled to find stable long term employment for almost 20 years since I left the doctoral program in  XXXX . I have a  XXXX . in  XXXX  from  XXXX   XXXX  and a M.A. from  XXXX  from  XXXX  University in  XXXX . If my memory serves me correctly, I finished my  XXXX   XXXX  owing  XXXX  student loan subsidized by the  XXXX  government.     But when I decided to pursue a  XXXX   XXXX  in literature at  XXXX , I got roped into subsidized AND unsubsidized loans. At the time, I thought my financial aid  XXXX  was looking out for me as she steered me to the private loans. After reading the New Yo rk Times  recent articles on the unethical and parasitic behavior of the student loan industry - I am now suspicious.     The truth is that in  XXXX , I was under the impression that I was investing in my own future as I accepted these subsidized and unsubsidized loans. My father ( who was a high school guidance  XXXX  ) helped pay my way through  XXXX   XXXX  and  XXXX  University. I accepted a small subsidized loan in  XXXX  during  XXXX   XXXX  and going off of that past experience, I assumed that it was no big deal if I accepted a series of reasonable and fair student loans as I pursued my  XXXX   XXXX  at  XXXX . My father was against taking out these loans from the start, but I felt that my parents had given me enough money and I wanted to stand on my own so I did not heed his warning.     I hold the  XXXX   XXXX   XXXX   XXXX  partially responsible for failing to advise me that I could never realistically expect to pay back the loans I 'd taken out as a university professor teaching literature which was the career I was planning at the time. I also know that I have to accept a huge amount of responsibility for not doing the kind of research I should have done BEFORE I accepted such steep loans.     In  XXXX , I consolidated my student loans. I made payments while I had regular, secure employment but got laid off and ended up doing forbearance, financial hardship or whatever  XXXX ,  XXXX   XXXX  and now  XXXX  would allow me to file for - in order to keep my loans up to date.     I 've attached several letters from  XXXX  sent to me over the past year. Can you look into my student loan history, study it carefully and tell me if I 've been treated fairly or exploited financially? During the past few years, I received these crazy student loan letters stating that I owe crazy amounts of money. So much that I lost track of how many  XXXX  they claim I owe. I know that I will go to my grave owing Navient huge sums of money that I have no earthly idea how I will ever pay.     I accepted my first unsubsidized loan in   XXXX   when I was  XXXX   XXXX   XXXX  and teaching   XXXX   in a small   XXXX   XXXX   in Georgia. Today I am  XXXX   XXXX   XXXX  and all I can think to ask is, " What happened??? '' I suspect that I 've been taken to the cleaners, but I 'm not 100 % sure. Can you help me? I 've attached student loan documents in order to help you make your determination.     Thank you so much,  XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX   XXXX  cell

Company response to consumer: Closed with explanation