Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm writing to you to reach out hoping you can help me with some type of relief, or guidance, who I can go to, who will help me with my current situation with student loan debt. I feel like I am getting ripped off, being taking advantage of and there is nothing I can do about it but live with the situation. 
In XXXX my husband and I enrolled to a school in XXXX, California called the XXXX. I enrolled in the XXXX program him in the XXXX program. I was XXXX. old, he XXXX. While attending the school having no prior experience I learned a lot of techniques that I still use today for my XXXX. The program I enrolled was a 6 month program with 1 month externship for graduation. My tuition was {$28000.00} loan total debt after graduation in XX/XX/XXXX was {$33000.00}, and only a certificate was given to me that as not transferable to any other school to continue education. My husband quit XXXX moths into the program because after applying for a {$30000.00} loan the school asked him to apply for another {$25000.00} to continue the 15 month program. He suspected something that was not right, and he was right. 
The school led us to believe that after graduation we would find well-paying jobs to pay back the loans that we obtained to attend the school. I was told 6 months after graduation if I could not find a job the school would help me find one. When I called the school for help I got the run around and was never helped or contacted. I felt so over whelmed not knowing what to do, looking for jobs that would not hire me specifically because I went to that school, knowing I had a high payment of {$500.00} I moved back home in XXXX because I knew I had a decent paying job and my first payment was due XX/XX/XXXX. By XX/XX/XXXX my total loan balance with interest was {$47000.00}. Payments went up to {$590.00}. 
In the middle of XX/XX/XXXX I was contacted by a lawyer asking for information of the school and its process of enrollment also to see if I wanted to join a class act suit. The lawyers suspected fraud from the school and the school misinforming students of repayment, leading us to believe that we could pay back the loans at reasonable payment. Of course I jumped in right away, judgment was not granted until XXXX. I received {$19000.00} as reimbursement from the school but it went right back to the loan company XXXX/Navient who gave me the loan to attend the school. It did not even make a dent to the amount that I owed. In the end of XX/XX/XXXX all students who obtained loans for this school, who were still making payments, XXXX " transferred '' the loan to Navient a " sister lender '' to maybe avoid any other suit, I 'm not sure I was never given a clear answer from Navient why my loan transferred to them. 
As of today all XXXX ( XXXX ) have been closed down due to bankruptcy having to pay thousands of students back for fraud they did. In XX/XX/XXXX XXXX was forced to pay back over {$95.00} XXXX dollars to students who filed suit and who went into collections never paid back their loans. I know this because my husband never made a single payment and it was cleared from his credit report like he never got the loan. I would have done the same but my dad is the co-signer to the loan and could not ruin his credit. I struggled at times when I had to make high payments all while paying rent utilities car payments. Because I am responsible person who makes their payments I am still paying on a loan that many others got forgiven. I am asking for help, help for a new start for me and my family, to be able to be debt free from a loan that I will probably still be paying when I should be retiring. Please lead me to the right person, the right lawyer who will help me. I am not asking for a hand out but simply help without ruining mine or my dad 's credit. Thank you

Company response to consumer: Closed with explanation