Consumer complaint received 2020-01-14
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
According to the federal student aid US Department of Education  I have 27 loans out. 
From XXXX to XXXX all of my student loans taken out where used at XXXX College in XXXX, MI but they say XXXX college XXXX MI I never attended this campus in any way shape or form. in XXXX some of my loans where Consolidated I never asked for this to happen but navient did it anyways In XXXX I attended XXXX University and then in XXXX XXXX University closed and where later sued for various reasons some of those reasons included that they lied to their students about enrollment about falsifying accreditation and things such as that. so I'm asking for my student loans to be forgiven and that was to be taken off of my credit score as well as those loans to be XXXX  out and to be taken off my federal Aid list completely as in they never existed. 
In XXXX I attended XXXX University and have two loans from them both of those loans same thing as XXXX attended the school was told that they had high rates as far as graduation and I could get help with schooling I could get help with after graduation during school classes would be easy. During school I found no help classes were a lot harder I did online classes from no help and was lied to also they falsified things that they said during their promotional ads and they were later sued again same thing with XXXX. So I'm asking for my loans to be forgiven as well and to have them taken off my credit score as well as XXXX out and taken off my federal student aid list and no longer having them be seen. 
In XXXX I returned to XXXX College in the hopes of finishing my degree for XXXX XXXX only to find out that everything that I had started back in XXXX was not going to be the same as graduation rates have dropped graduation numbers were not true as well as I could not be grandfathered into the program like I was told originally. And after speaking with a couple of the advisors I would actually essentially have to take almost all of my classes again to get them to count going forward in order to take my XXXX XXXX  license in the state of Michigan in order to be licensed plus because living were I do live I also have to carry a very high insurance rate which is not something that as a XXXXe XXXX XXXX College said you needed or said that was part of the grandfathering in. And upon looking into it when taking the boards or trying to take the boards for XXXX XXXX I can't be grandfathered in even having all the hours that I have I would actually have to retake all of my classes and pay out of pocket. Because of all of my student loans. So in essence I'm asking that all of my student loans from XXXX College also be forgiven because they lied not only about my degree that I never finished because I couldn't be grandfathered in I didn't graduate and I don't have a certificate I don't have a degree I don't have an XXXX XXXX XXXX and I don't have anything from XXXX stating what I graduated for none of my college credits transfer so all of the money that's loans for XXXX College are wasted all of my years there in time spent there is just time sitting in a classroom. 
In XXXX I attempted to go to University XXXX XXXX I got sick while I was there and I took time off and they said that's not a problem you can take a couple weeks off in between classes and then return to class I said okay not a problem they had you're ready to work add going on and it wasn't a big deal. Well then I was just looking up and I find out that University XXXX XXXX has gotten sued by multiple people over the last couple years 4 multiple things as far as false advertising loans rates job placement you name it they've done it. Under the borrowers defense I feel like my loans should be forgiven for the school as well. I just received a letter in the mail about a month ago from them stating that due to the advertisement under the ready to work and any monies owed to them would be forgiven and it would be noted in your credit score you don't owe them anything well within 45 days it would be XXXX now and cleared off your credit score I'm still fighting to get it cleared off my credit score one has been cleared off of one credit score the other two still not cleared off of their I've called XXXX and XXXX  still not done and now I have to deal with it and now I have to get it cleared off of there. 

I have a clear case borrowers defense all four of these schools between dealing with navient and the Shady deals they've done and then telling me Oh we can do for your loans when I've wanted to do the repayment because I don't make a lot of money when I first got out of school and got XXXX  and wasn't making a whole lot of money and then I was working in a XXXX  and was barely making any money because I was paying XXXX  and should have been able to use the XXXX  as part of a way to get some of my loans clear now or paid off or forgiven, and navient when let me. And navient also has jacked up my interest rate I've deferred my loans and I haven't wanted to I wanted to do the repayment or the pay student loans or you know I've looked into other things and they've differed them and just very different things that they shouldn't have and now I find out that my consolidated loans are through XXXX and there's also things going on there that shouldn't be going on all around I've asked navient before questions and I get the runaround and I got the runaround when they were with Sallie Mae am I original loans brawl with Sallie Mae not navient I'd never heard of navient until a couple years ago when navient and Sallie Mae split and my student loans didn't even start showing up on my credit score until XXXX and my original loans were taken out in XXXX. 

Overall what I really want taken away from this is my loans cleared. End of story I just want them gone I don't want to have to deal with it me trying to get any type of loan or anyting I can't do it because of the student loans they've killed my credit I can't pay on them because of the interest rate on them. And to try and deal with navient is beyond ridiculous and they call you 7 8 9 times a day they call your family and harass your family they call your friends and harass your friends they send you 9 10 11 letters it's ridiculous help please

Company response to consumer: Closed with explanation