Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My husband and I have written a myriad of letters to our loan servicer, Department of Education, Navient, XXXX, and our Congressman for assistance with our student loans. I notified my loan servicer long before my loans defaulted that I had XXXX and was subsequently diagnosed with XXXX. At the time I was offered an option to discharge my loans via XXXX through the XXXX executive office, but declined as I was enrolled in XXXX XXXX University and wished to attempt pursuit of furthering my education during a period of unemployment. My cognitive issues were more advanced than I thought and I was forced to withdraw from XXXX XXXX. A string of car accidents, identify theft, XXXX, and hospital stays, I maintained communication with my loan servicer. When I was told my loan defaulted, I explained I took all the steps to submit for forbearance and from the literature sent had understood I was in this grace period. Despite having documented proof of fax to my loan servicer and a RECORDED CONVERSATION, I was told the default stands with no help or guidance on how to rehabilitate my loan. In turn, after showing I made {$0.00} via my Social Security statement, over {$10000.00} was taken from my tax returns. This caused strain on my marriage and as I wrote letters about my loans, Navient began to pursue my husband with payments that well exceeded our mortgage payment. Despite his letters advising he was virtually supporting the household on his income alone, Navient told him he exhausted his options and no longer had any. As they threatened his credit, my husband was forced to Refinance the house in an effort to pay off his loans so that he is not in default like I am. After undergoing a XXXX, I have pleaded for assistance with Rehabilitation of my loans and currently have no filed taxes for fear the Government will seize them despite my communication, illness, and current financial state. I wrote and pleaded for assistance, I explained that I needed help and was told I could not get it unless my HOUSE WAS GOING INTO FORECLOSURE!! The house I live in is in my husband 's name and as a XXXX, he is not going to allow his home to go into foreclosure. The fact that I submitted a Social Security Statement and my taxes showing XXXX income and exorbitant loss due to a flood in my home and business losses, I was hijacked for the income I needed to supplement my living anyway. This is a piece of the letter XXXX sent to his Congressman beseeching assistance. 

My wife 's recent Federal Offset caused an extreme hardship on our home and our marriage. We were in the process of figuring out separation when I got my own surprise from my loan holder stating that my monthly payments would be upwards of {$800.00} a month. To put my position into context, my mortgage on my home is {$980.00} a month. My wife was taken to the hospital by ambulance XX/XX/2016 and as a result, we have found out that she has to under go a XXXX. My wife has endured so much, but to learn on top of XXXX and XXXX, she has to lose her XXXX at XXXX years old and undergo a XXXX on her body that will be sure to cause flares in the future. 
I have noticed these student loan concerns have picked up political traction and I am curious if Georgia constituents are undergoing the same strife as NJ. I 've read articles where the House Representative has brought the negligence of student loan holders to the attention of Congress. I have supporting documentation that my wife and I have communicated with our loan holders, explained our situation, and have expressed a willingness to repay our loans, however this feels very much like " loan sharking '' and it 's putting our household in a difficult situation.

Company response to consumer: Closed with explanation