Consumer complaint received 2015-05-01
Company: LTD Financial Services, L.P.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX universities with the promise that I would get a job that would enable me to make good on my investment in student loans. My whole life I have also struggled with XXXX. My family took good care of me and wanted me to be successful, and I strove for that -- especially in the wake of my parents ' divorce. I was high school XXXX, XXXX, XXXX, etc. I had XXXX and XXXX GPAs at my universities, respectively. I am a good person, and I pay my bills on time. I currently have a full-time non-profit job. However, my credit score -- which is terrible on account of delinquent student loans -- is holding me back from obtaining everything my peers have obtained by this age, my parents obtained, and the generation before them obtained. It is made more tragic by the fact that at XXXX, when I was out of college and XXXX at a XXXX in XXXX, that I began to have a XXXX. I was XXXX, XXXX, XXXX, XXXX I was facing. During this time, student loan companies began asking me for amounts of money that even with a full-time job I could not afford to pay. I ended up having to take extended medical leave and eventually resign my XXXX position. I was unemployed for a while, and could not keep up with any of my student loan bills. Years went by. I picked myself up, got work, sought ways to make myself better XXXX, and to become a productive member of society. I did all these things. Yet the companies that now own my student loan debt are holding me back from everything I spent the last 20 years of my life working for. Any amount of money I could even send them will not pay them off. It is hopeless, and it is wrong. I was a victim of my circumstances, I still suffer from bouts of XXXX, and I have medical documentation to prove it. I am asking for understanding and empathy. I am asking to be judged as the whole person, and not by sad events that happened when I was still practically a teenager. I am asking for all delinquent records to be expunged from my record. Permanently. I want this to then be communicated to all the major credit bureaus so that my score can increase. I want to be able to contribute to the American economy by doing things like buying a home, buying a new car, etc. It is my right as an American to enjoy the fruits of my labor. I worked hard as a teenager in school, then as an adult at every job I 've had. It is immoral to judge my ability as a consumer based on a downward spiral of events that happened as a result of a XXXX. I am a good person. I have people who can attest to it. I 've never committed a crime, I 'm not mean to people, I donate to charity regularly. I never asked to be rich. I never asked to make XXXX figures a year, but it seems that 's the only way I would ever be able to pay back this debt. But the economy in this country does n't work that way, and people who struggle just to get out of bed in the morning like me ca n't even begin to process the insurmountable delinquent student loan debt I have. I suffered a XXXX in my XXXX, and it is a direct cause of me being delinquent on my loans in the first place. I am attaching a doctor 's report to prove this. Thank you for your time and consideration, and God bless.

Company response to consumer: Closed with explanation