Consumer complaint received 2024-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I requested and was approved for a Private Student Loan Misconduct Application for three of my Private Signature Student Loans from Navient. My Federal Student Loans are in the process of being forgiven through the Borrower Defense to Repayment, due to widespread misconduct from the school I attended-XXXX  XXXX XXXX XXXX. There have already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for profit schools, such as XXXX XXXX XXXX. I faxed my XXXX XXXX XXXX to Navient XX/XX/XXXX, then, sent by certified mail XX/XX/XXXX. Navient received and confirmed receipt of application XX/XX/XXXX. I was waiting for a decision on the XXXX Private Signature Loans that Navient said I qualified for an application and was full aware that it could take up to 60 days as Navient stated on the misconduct application. 
I opened another complaint- complaint number : XXXX for the XXXX other Private loan called XXXX XXXX XXXX, all private loans held with Navient I have been paying and having issues paying since XXXX to date I owe roughly {$60000.00} ( more than the actual cost of the program ) with inflated interest in Private loan debt, since graduation with a useless degree ( a total of 4 private loans, 3 signature and 1 tuition answer loan ) all of which were used to fund my XXXX  XXXXXXXX XXXX and all have the holder rule disclosure attached to the loan paperwork. 
My misconduct application for loan discharge for XXXX signature private loans were held for XXXX XXXX and ended up being " Denied XXXX XXXX XXXX XXXX  days after filing the other complaint to receive another school misconduct application for the private tuition answer loan. I was fully aware what Navient stated on the misconduct application that a decision could take up to 60 days. I filed a complaint-number XXXX on XX/XX/XXXX, XXXX did not respond to this complaint until XX/XX/XXXX, denied misconduct discharge XX/XX/XXXX, my only intent was to recieve application approval for the tuition answer loan only since I had approval for three of my signature loans it was not intended to rush Navient in making a decision on my Signature Loans like they assumed in their response to this complaint. Navient also stated : they understand I wanted to include the XXXX XXXX XXXX with the three Signature Loans already in progress. I did not ask and never asked Navient to do such. This is another dishonest action from Navient to keep frauded student loan borrowers stuck-indebted to them. 
I was provided with the following reason for denial of XXXX XXXX XXXX XXXX XXXX loan discharge : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge on misconduct by your school. There is no actual reason for the denial given and maybe the decision was coupled with retaliation by filing another complaint for the tuition answer loan held with XXXX XXXX XXXX again, a dishonest unjust decision. I sent Navient overwhelming amounts of evidence against XXXX XXXX XXXX XXXX XXXX XXXX XXXX misconduct and Navient XXXX to these loans : original school marketing material, lack of career services, falsified jobs rates after graduation, enrollment agreements, selective admission process/lack of, overall cost of program, job placement rates, abundance of articles on defraud and misleading practices, demand for graduates in my field, lost accreditation, FTC holder rule for private loan misconduct, high debt, promised earnings after graduation, abundance of harm these loans caused, Federal court letters, AG letters, letters from the education department, class action settlement, career and earning prospects, XXXX XXXX XXXX XXXX XXXX XXXX abundance of lawsuits class/private against XXXX who operate the chain of XXXX XXXXXXXX, Congress and Supreme court decisions , lost of financial aid if I did not make instant decisions, pressure to make large amount of loan decisions right away, etc, .... 
There is absolutely no reason my application should have been denied. I was not given any other options/recourse to reapply even after requesting and being approved for Navient School Misconduct Application .