Consumer complaint received 2018-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

The school promised employment assistance after graduation, which was not true. The school stated that 80 % of all graduating students were offered jobs right out of graduation and that was simply not the case. There were approximately 22 students in my class structure alone and only two of us went on to positions that directly involved our certifications. One of them had an inside connection with the XXXX XXXX XXXX and the other went onto to complete a Nurse 's degree with another institution. During our internships there was one student who was offered a position with a facility, however failed the drug test. XXXX knowing this, sent him back out to another company, only to have the situation repeated. This is one example of how XXXX provided a poor name or reputation of all graduates to the community which in turn offered poor is any job prospects to their graduates. 
I dedicated almost two years of my life, working forty plus hours a week at a job and then almost another 25 hours to my education. An education that I was proud to accomplish and believed would provide a better future for my children and myself. Being a working single parent of XXXX   children, one of them XXXX XXXX, was a daunting experience at times. One that would require a lot assistance from family and friends, so adding an additional 25 hours to the mix was not always an easy task, however nothing worthwhile ever comes easy, right? I always believed in the end I was doing something good for my family, something they could be proud of, something that would enhance our lives, not make it more difficult.

Not one of the promises or assurances were true, other than at the end of program I would receive a certificate. However, my certificate is not worth anything more than the paper it was printed on. When prospective employers would hear the words XXXX XXXX, their interest would cease and they would thank us for our time and send us on our way. 
If this wasnt bad enough in XX/XX/XXXX, we are notified through our local news that the XXXX  XXXX XXXX XXXX has permanently shut down the schools in XXXX and XXXX  XXXX. So in XXXX of XXXX I start looking for information on my loan programs. While researching my loans, I was referred to XXXX XXXX, who promises that if I am accepted, they will process all the paperwork and work with my current loan providers, through an Obama approved program, to have my loans forgiven, since the school didnt follow through on their promises and also closed their doors. I needed only to pay their processing fees for the paperwork of approximately {$800.00}. I then looked for reviews and tried to do my due diligence in research of the company and of its promises and found nothing negative. Actually there were several very positive responses, so I paid the fees and waited to see if I was approved. About a week later I received notification that I was approved and I would be required to pay XXXX dollars until the loans were fully discharged. That this process can take a few years to complete, but that is just due to the extensive number of clients that are going through the same process and it takes some time. But not worry, that until the loans are fully discharged my payment would remain at XXXX or at the most it might increase to {$50.00} a month. Now I start weighting out the options. Continue to pay the {$75.00} a month I was already paying, until the loans were paid off, approximately {$22000.00}, loans that I never felt were right to charge for in the first place ; or pay {$50.00}, at most a month for a couple of years, approximately {$1200.00} total, and have the loans forgiven? Then in XX/XX/XXXX, 4 short months after I completed the paperwork, I was notified that XXXX XXXX is under Federal Investigation and there is a lawsuit pending. To top it off I start receiving letters in the mail from a company called Navient that is stating I now owe them the {$22000.00}, and my monthly payments are around {$200.00}. When I called them, they stated that XXXX XXXX sold them my loans and all they did was consolidate them for me. This was not what I understood what I was paying for and defiantly not what I was told, and they basically said sorry, what credit card would you like to make that past due payment on? 
This whole process has been a complete nightmare, as you can see, from the start and I just want to the nightmare to end and wake up.