I took out a XXXX back in XX/XX/2007 to attend XXXX in the XXXX. The complaint I have without getting into the whole story is, that XXXX ( Navient ) sent the money to the school first, then the school was supposed give me the remainder of the left over amount after tuition and fees. The issue I have with this is that the money was sent over one month before the semester even began ( they issued the money to the school on XX/XX/2007 ), orientation day was XX/XX/<YYYY> I always had the understanding that loans are in most cases not distributed to the college/university until about a month after classes usually start. So after attending orientation and learning more and more about the university and how students that were already there told us new students to avoid this place and leave before it is too late for a full refund. I ended up transferring to another university in the same location as my original choice. I let XXXX know that I was not going to be attending the school for which i took out the loan for, and also got a conformation email stating that my disbursements had been canceled. Fast forward a few years dealing with XXXX and trying to explain to them that i did not attend the university and I had a lawyer that even sent them a statement saying so. They told over the phone, " on my file they have an email/letter from the CFO of the university asking for information on where to send the money back to XXXX '', according to XXXX, " they responded back to the email/letter and then after that communication between XXXX and the university ended. '' So because the university decided not send the money back and hold on to it they are now harassing me and my mom ( suffers from XXXX ) for there money that I never even seen. I have sent them numerous amounts of proof and documents but they are not willing to budge and have defaulted my private student loan, I have the invoice that shows that I was enrolled in the other university and that I even paid with my own personal money and not with any kind of loan money. XXXX XXXX " banned '' this university from there list of schools which they will lend money for because there were more students in the same exact situation as me with the same exact school prior to me getting there. If they knew there were issues with the school and students were complaining about not receiving there money from the school and what not, then why would they still lend the money to me? They know that the student will have to pay them back either way, because for them its my signature on the loan paperwork not the university 's CFO. If that is the case, then why did they send my money to the university first, if it is my responsibility to pay for loan then I should of received the money in account to begin with correct? This has runied my life! My mom suffers from XXXX XXXX and can not handle the stress Navient and there collection companies are putting on her. This stress had also caused my dad to have a XXXX XXXX and pass away because he was worried on how to pay Navient so I would not default and could get further student loans so I could finish my education. Then after my dad passed away I said enough is enough and just ignored Navient all together since they are not willing to take actions on there mistakes. If I borrowed and received the actual funds I would not be complaining and would have paid monthly payments and what not, that is the way i was raised my parents. Also its not like my parents did not have the money at the time to pay, but I told them not to because this is something a scam artist would do. Please I beg for help, I can not stand to lose my mother to this issue also because is XXXX about how this will affect my life when it comes to credit and other loans. XXXX XXXX University XXXX XXXX XXXX in XXXX.