Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MD)

I am currently dealing with Navient in regards to my Private Student Loans. I am unable to make the necessary payment for the loans, and my deferral time on the private loans, which was 48 months has passed. I called Navient prior to the loans hitting a default status to see if another type of deferment could be offered to me, and they said no. After exhaustive research I did on my own, I did locate a deferment that my private loans were eligible for and that was an XXXX deferment loan. To make sure the private loans were eligible, I called Navient and spoke to the non-collection side ( as the loans were not in collection at that time ) and the supervisor said the loans were eligible for that and he made sure to mail me out the forms. I filled out the forms as required and had my boss sign the portion that was pertinent to her on the form. I am currently in a XXXX, which qualifies for this form. At the bottom of the form was an area I initially put " N/A '' during my first submittal, as the bottom only pertains to if you are in an XXXX at an hospital of which I am not since it is asking for licensure certification. I only needed to fill out the upper half and have my boss certify I was in an XXXX. I submit the forms the first time around for the private loans, call in to see if they are processed and the non-collection side of Navient said the form was filled out properly and it should be processed with no problem. A week goes by, I check my account and the loans are still not brought back to current and are not in collections. I call Navient and I am told the form was denied due to me having " N/A '' in the spaces at the bottom that deal with state licensure certification. I told them I used " N/A '' in those space to indicate " not applicable. So the representative on collections tells me to re-submit without the " N/A '' which is what I did, and I call today ( XXXX/XXXX/16 ) to see the processing status of the paperwork, and once again I am being told that bottom portion needs to filled out yet I am not in a XXXX. I told Navient I called XXXX XXXX about this form as Navient and XXXX XXXX form are mirror duplicates of one another. A representative I spoke to at XXXX XXXX said they get the internship form filled out all the time with that bottom portion not filled out as the bottom portion on pertains to an XXXX at an hospital where after you complete you get certified to practice in the state. The representative at XXXX XXXX said they understand their are different types of XXXX of which the bottom portion of that form is not relevant to be filled out and the form still get processed. The representative at XXXX XXXX said " she does not understand why Navient can not process the form for me as I am filling it out correctly for an XXXX that is non-XXXX related. '' Moving forward, so after my call today ( XXXX/XXXX/16 ) the representative says she has to forward my case to the Navient Ombudsman office so they can look over it to make a determination in the case, yet I have filled out what I need correctly. And the lender keeps trying to push me to use my forbearance 's I have on my private loans and I only get a few of those and only to be used in drastic emergencies. Why should I have to use my forbearance 's, if I am filling out the XXXX deferment form correctly? I also keep being told by Navient that the bottom portion of the XXXX deferment form for XXXX, that does not pertain to me, my boss needs to sign. I told Navient that if I asked my boss to sign it, they would have me commit an act of fraud. 

Note : These loans are currently in default now. The issue is a combination of payment and lender.