Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been poverty stricken over the past several years, for a number of reasons, XXXX health, XXXX, location which I live. Health issues. 
My original loan was for XXXX College. XXXX per Trimesters. I went through XXXX trimesters at the school. Started a Third Trimester. And just past the tuition grace period of that new trimester was shown the door from the college due to " attitude problems '' and bad GPA, I was forced by the Admin to withdrawl. Now burdened with an extra XXXX in tuition for schooling I never attended. I was dejected and felt like prey, by Sallie Mae and the XXXX school. I started to pay the money back. Fell in and out of poverty. Left the States to travel abroad and forgot about the loan. {$18000.00} turned into {$32000.00}. 
I moved back to the states and started paying it off. First pulling it out of default and then continuing to pay on it. The loan repayment averaged {$130.00} to {$300.00} per month. I paid what I could when I could. 
During the great recession of XXXX I fell in arrears on many payment. I was going to apply for forbearance when a series of coincidentally timed events ruined my chances of going into Forbearance. 
First, I had a XXXX XXXX I was receiving all my corresponce from Sally Mae at for months. Then I had to renew the box. The XXXX XXXX acted like he was excepting my expired car insurance card as proof of residence. I had been given most ( not all of mt mail ) by XXXX of the XXXX Workers. ( she could have been fired for doing so ) However. Inside the XXXX XXXX I was locked out of was a final statement from Sallie Mae demanding payment. I did not know it was there and would have contacted them had I known to avoid another default. From what I found out later. Had I just made contact and arrangements everything would have been fine. 
However, I was working several hours away in the Texas XXXX. which I kept those jobs for only brief time periods. But in between I would come down and check my mail when I went to see my daughter. It was the end of the year, I believe XXXX? I went to my box in late XXXX XXXX and had been locked out. I was given some of my mail but not all of it. I came back a month later on a short break from work.I found out I had been still locked out of my box. 
It wasnt until after XX/XX/XXXX when I resolved the issue with the XXXX XXXX and got my mail. THIS, was after I had received a call from a XXXX XXXX claiming they now were in control of my Sallie Mae Account and that I was in default. 
I had never even received my letter from Sallie Mae until AFTER THEY COLLECTION AGENT had made contact. And then there was only XXXX warning in the box from XXXX. I never got my second or third warnings. 
Then the agent who called me told me that I now owed {$4000.00} MORE on the loan just because now it was in default All the monies I had just worked so hard to pay down the loan ... .Wiped out,. Because a XXXX XXXX, fooled me into thinking I had clearance to have my XXXX XXXX XXXX unlocked and free access to my mail. Instead. I was blocked from my mail for almost 2 1/2 months of time. 
I asked for payment options. I was told there were none. And, if I didnt pay them today. I would owe an additional {$6000.00} for the year. So now, with XXXX phone call I am going to owe {$10000.00} on what was originally {$18000.00} for which I had already been over charged for in the first place. 
I threw my hands up in defeat and gave into the fact that it would be IMPOSSIBLE for me to EVER catch up with the loan company and there demands. I quit paying. 
The original loan should have been {$13000.00} now it is probably near $ 50k or over.

Company response to consumer: Closed with explanation