Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended a private school called  XXXX  College  XXXX   XXXX   XXXX  in  XXXX   XXXX  for 4 years. I was not able to complete the school because I ran out of funding. I do n't want to make my explanation too long because of the limited space, but I was aware of the seriousness of what was happening. I did n't graduate, and I would have to start paying my loans. I did speak to m y director,  but they told me there was no other option but to leave. The school took longer that what they told me it would take. No student graduated within the time period they said it would take to complete your studies. I moved on, and unfortunately I lost my job at the time. I called  XXXX   XXXX  which was my servicer at the time. I did n't get any sympathy. I actually became homeless. I was n't out on the streets, but I was out couch surfing wherever I could stay. I told them that, and the only way they could do a forbearance is to give them a large sum that I did n't have. I lost everything. I did n't have a storage place so I had to donate any furniture I could not carry around with me. I even lost my pets. It 's a low period in my life.  XXXX   XXXX  did not understand, and they did not offer any solutions. My loans went into default. That was in  XXXX . The servicer is now Navient. I took advantage of a loan consolidation for my Federal loans that went into effect  XXXX   XXXX . I took me three years to even get an apartment because my private loan was in default since  XXXX . I have tried speaking to Navient, and the lowest they can take is {$200.00} a month. I ca n't afford even that amount right now. They tell me that it barely makes a dent, but it will at least show some effort on my part. The problem is that I do n't trust them, and this stems from the interactions I 've had with them over the years. I feel they should never have let my private loans go into default because I was homeless. Now they want lump sums that are way to high for me to pay I am called by different collection companies. I have spoken to about  XXXX  or  XXXX . I 've lost track.  XXXX   XXXX  is suing me for these loans, and different collection agencies call me still. I called Navient directly, and the always give me different amounts. I ask about the lawsuit, and some of reps say that I owe {$64000.00}, and that it is interest inflation.There other reps that say it is {$36000.00}. From my knowledge I owed {$12000.00} and if they are correct it has gone up to {$64000.00}. I am confused as to how much I owe, and to whom. The collection agency or navient. I asked navient to send me a break down of ledgers to me. I asked a supervisor, and she said she would email me the info. I have n't received anything. I stopped taking their calls and I am hoping that the court will mediate. I want clarity as to what I do owe, and do not want to be ripped off. it 's scare me that I am going to be like this for the rest of my life. I thought by going to school I was making the right choice. I feel that it was a serious mistake.

Company response to consumer: Closed with explanation