Consumer complaint received 2015-12-19
Company: LOAN TO LEARN
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My name is XXXX and I would like to share my story in dealing with my current student loan in default. I come from a single parent home and the idea of college was always out of the question. I am the XXXX out of XXXX kids. No sibling before me went to college. I decided that I wanted to be the first in my family to do so. I joined the AVID program in my junior year of high school and from day I was told that in order to stay in the program I had to be 'college bound. ' I alse kept being told that money should never be an issue. There is a financial aid I can apple for and most likely recive being that I came from a low income family. I was also told that there was student loans I can apply for. The day cam that I sent out my applications and was surprised to actually be admitted to XXXX XXXX XXXX XXXX. A school that was about a XXXX mile commute each way. I was approved for financial aid. However, I was hit with the realization that I would need more money. I was not working at the time. Had no transportstion. No money of any kind. I remember that I was told I could apply for a student loan. Went online and did a search for student loans. I ended up on XXXX XXXX XXXX 's website. I applied for and got approved for XXXX student loan. I had no idea what a 'promisarry note ' was. I had no idea what it meant that my mother was a co-borrower. As soon as i got the check i realized how expensive it was to actually be a XXXX XXXX XXXX. I still could not afford to live off the loan and financial aid. I did not want to borrow anymore money. I did not attend school and took a full time jod in reatil to help pay for living expenses at home. Working retail was tough and made just enough to pay rent and feed myself. There was no way i could start making payments. My mother who was co-borrower had at that point become XXXX and lives off her social securit. After about XXXX years we were evicted from the house i grew up in and was forced to move out. I moved in with my partner at the time. Im not sure if something got lost during the move something but I got a letter at my new place telling me that there had been an 'abstract judgement ' agains me. Having no knowledge of the legal reprucussion and having no money i did nothing. The total amount was for about {$10000.00}. The years passed and thing between me and that partner did not work. XXXX. I been on my own since 2012. Working to pay bills, rent, repairing my credit a little at a time and saving for retirenment. I did not look into the judgement being that the amount was so high and i did not have that much money to pay it off. I never filed for brankruptcy. Since i got the notice of the judgement i did not hear anything up until this last monday. I got a letter from my work 's payroll department telling me that my paychecks will be garnished at XXXX % after taxes to pay back the judgement. The total amount had ballooned up to over {$26000.00}. I have no idea how i will be able to support myself with that much missing from my check. I have mo clue what to do. I know i owe this money. I want to pay it back but i just have no idea if there is any other solution to this problem. Thank you so much for listening. Feel free to contact me for anything else. I am happy to share my story.

Company response to consumer: Closed with explanation