Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

In XXXX I wanted to further my education and get a XXXX XXXX XXXX I researched online and there was a program in XXXX. There was actually XXXX programs. I made appointments and went to both schools. When I toured XXXX XXXX XXXX XXXX in XXXX I was sold. I was told there would be job placement, I was told it was highly accredited, and I was told I could not get federal loans because I had used all the federal loans in my first XXXX years of XXXX, which was a blatant lie. I did not figure out until just a few years ago that I could not get federal loans because the school had a highly disreputable accreditation. I worked hard and graduated, and when I was inquiring for help finding an internship, I got sent jobs that were listed on any job site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  paid retail jobs that could not begin to pay the note for the loans I had taken out, at that point I was pushed to forbearance where the high interest rates kept compounding. My loans immediately went from XXXX tpo XXXX with in just a few years. 
I struggled to pay interest only payments. My husband got XXXX with XXXX. I had a child and I worked several low paying jobs to pay interest only payments. When XXXX happened, I took that time to try to get into another career. They needed teachers so badly that if you had a XXXX year degree, which I thought I had, you could get a permit to teach. I found a listing for an XXXX XXXX I went to XXXX XXXX It was a perfect fit, but when I submitted my transcript to the state, I was immediately denied. The accreditation that my school had was not accepted. My degree meant nothing. It was a useless piece of paper that had drowned me in debt. That debt would have been lower if I was not lied to and I was told the truth about why I couldn't get federal loans. I would have chose school number XXXX that was regionally accredited. I would have made a better decision, but I was lied to. What reason did I have to fact check them? They were in the bursars office at the school. Their job was to counsel me. At that point in order to get a job, I had to take out more federal loans and go to school. In XXXX years, I have gotten a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX  and I am in my XXXX  year of XXXX. I will never get out of this debt. When Navient lost the lawsuit the ones who loans were discharged were those that were in default, not those of us who had suffered and worked out behinds off to make interest only payments of XXXX dollars. It was fraud. It was lies. I can no longer pay on my loans. The cost of living has gone up. Teachers do not make much, my husband cant work XXXX jobs with XXXX XXXX. We can not do anything else. We struggle to pay house payment, electricity, and keep food on the table because of a scam. I need help. I need discharge. I need a settlement. I need bankruptcy options. I need a way out. Every promise that was made by the school was false, then the first thing XXXX at the time did was push me into forbearance not lowering payments or interest. If I was told the truth, and not led into a predatory loan, I would not be in the position I am in.