I took a loan out around XXXX for XXXX college in XXXX Ca. I was told by the counselor, the dean and multiple people at the college that my credits earned and my Associate education would be accredited and transferable to any major college. I went through the 2 year program and graduated with honors as a network administrator. Unfortunately my lack of real education did not provide me the skills or knowledge to get a job in my studied field. I decided in order to continue in the field I would need to get a degree from a traditional college. However when I looked into enrollment I was informed that XXXX was not accredited and therefore none of my credits would be transferable. Basically making my education irrelevant. This coupled with the fact that I had no more skills to enter the technology field than before I graduated and indebted myself to over {$20000.00} in student loans. Force me to work remedial jobs and defer my student loan. Over the years I have made arrangements to repay the loan to the best of my ability. However to date I have repaid over {$10000.00} and still owe more than what I originally borrowed. I believe the most current demand from Nelnet is for over {$22000.00}. So my complaint is one the student loan was made based on lies and misleading individuals within the XXXX school. I understand that Nelnet did n't lie about that but the loan should have not been provided based on the knowledge that the school I was attending was in essence a fraud. The school has since been shut down from my understanding for exactly the reasons I described. In addition Nelnet is charging me a higher interest rate than the current mortgage industry and with penalties and whatever else they charge there is no way I can ever get out from under the loan. From XXXX I paid faithfully over {$200.00} a month and never saw my principle balance decrease at all. I now have XXXX children and a XXXX on the way. I need this loan to be reconsidered and either adjusted to account for the payments I have made or forgiven altogether. This school was a complete scam and Nelnet is culpable for letting kids take out loans for something that will never benefit them in there ability to earn the income necessary to repay the loan. The only relief Nelnet offers is to make small interest payments. Again never providing true relief. What good is it for me to take food off the table and pay {$200.00} a month to watch my loan go up. Now that I have stopped paying I am getting phones 2-3 per day from Nelnet or random companies that either are calling on behalf of Nelnet or somehow know I am in default and are trying to get my loan current one particular company that calls me at least 10 times a week from all kinds of different numbers is XXXX. In addition I have received threating emails that they will garnish my wages and take my tax returns as a result of my default. I can not afford for either to happen. Another big deal for me, my family and my future is the negative result they have caused on my credit report. I have XXXX loans I believe that all have passed due payments and have lowered my XXXX by like XXXX points over the last 6 months. CFPB I need you to assist me. This is theft its in most basic sense. I look forward to your response.