Consumer complaint received 2015-08-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
As an undergraduate student in college, I was not eligible for many of the typical students ' loans as my mother was a teacher and although she had XXXX children in college, was said to make too much money for me to qualify. So, after failing a few classes, a couple of breaks in school, and becoming dedicated to my education my period of financial aid lapsed and I was forced to apply and get private loans through XXXX XXXX as an independent student. 
Right after finishing undergraduate school, they ( XXXX XXXX now Navient ) began calling me and my co-borrower at least XXXX times daily. Not wanting to harm her credit, and willing to help me out, she paid the very high payments for a long while until I could attempt to locate employment. After she grew ill, and ultimately diagnosed with XXXX XXXX she became unable to be scared into paying. By this time, I was now working at a low paying job and back in my home state, and was told that in economic hardship was not an option with private loans. It was at this time that my mother began paying the loans again due to her not wanting it to negatively affect my credit or the credit of her friend. 
After being laid off in XX/XX/XXXX, I decided to make a transition in careers due to having been laid off several times over the period of the last 3 years and began attending school to obtain a XXXX, and began using my in-school deferment while I completed my XXXX program. Now, I have a XXXX year old son and another serving in the XXXX and my needs have greatly changed. Since last summer, I have received so many inconsistencies with Navient about the methods of postponing repayment of my loans. Initially, I was told that I qualified for deferment, but was soon after told that I have exhausted this period and in-school deferment was no longer an option. 
Following that, I attempted not to worry about it so much, but did/do greatly as I know the possible affects it can have on my credit report. So, for this reason I contacted them again to discuss forbearance options, which they explained were not offered initially. Each day I had to discuss the issue with my mother as they had begun calling her using the same scare tactics as before in hopes of getting payment as she usually did in the past. They have been rude, they have lied, they have made unauthorized charges, and they have overcharged her in hopes of getting any money to pay this debt. Do not get me wrong, I realize this debt is there and present, but there has to be some sort of laws against what is happening or that protects me. They told her to have me go to the school that I attend and obtain a in school list of classes and submit it and I would be granted deferment again ( in XX/XX/XXXX ), and when I called in after faxing the information to the company, they said I did not qualify. 
However, the last straw came today. In XXXX it was explained to me that if I paid {$150.00} I would be granted a forbearance and against my better judgement, I agreed. I had no choice, as I stated I am an unemployed mother with a family that is sacrificing getting ANY job to think about my family 's future and obtain a career that with sustainability. However, I was tricked again! They explained to her when she called and paid the money for the forbearance that they would email the forms to me to submit and secure the payment postpone, but it was never received. Then today, when I called to see why as I received a new bill, the representative XXXX ID # XXXX explained that again I do not qualify. I immediately grew livid and asked to speak to a supervisor. After placing me on hold, she came back and told me that none were available as they were in meetings and that she could have them call me later. Not feasible. I am tired of being lied to and manipulated, and it must stop now! I am stressed and am trying to do all I can t

Company response to consumer: Closed with explanation