Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient continues not to honor my application for school misconduct of private loans taken out for attendance at The XXXX XXXXXXXX XXXX XXXX XXXX, which was owned by XXXX XXXX XXXX ( XXXX ) at the time of my enrollment. I have made several attempts to ask for an appeal, specific reasons for denial, and an explanation of how Navient is ignoring the school misconduct committed by XXXX 

Navients application for school misconduct list the following reasons for discharge : XXXX. Untruthful or misleading statements : XXXX. Concealed, suppressed, or omitted certain information : XXXX. Aggressive and deceptive recruitment tactics : XXXX. Lawsuit against the school : XXXX XXXXs misconduct is shown in all the reasons/categories listed above. 
XXXX. Advertisements promoting XXXX  falsified employment rates, displayed inaccurate average salaries based on flawed data, and high-ranking school officials supported finding that school personnel made up XXXX  earnings. 
XXXX. AI represented to prospective students that it had partnerships with employers and offered career services, however, evidence shows that XXXX  exaggerated its relationships with employers. Former employees & borrowers described that graduates did not have access to ongoing career services. XXXX  communicated these substantial misrepresentations to prospective students through its website and print materials, and school personnel distributed misleading information to prospective students before & during the admissions process. 
XXXX. XXXX illegally paid recruiters based on the number of students they enrolled. XXXX created a boiler room-style sales culture with a relentless and exclusive focus on the number of new students they could enroll. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Prospective students relied on The XXXX XXXX misrepresentations when deciding to enroll. Borrowers attended XXXX XXXX XXXX because they wanted to obtain jobs in creative fields and make more money. XXXX  XXXX XXXX heavily marketed itself as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX knew that information about the schools employment rates, XXXX  salaries, and career services was important to prospective students. The school habitually rushed prospective students through the enrollment process and related paperwork, and it did not make its underlying data publicly available. Furthermore, XXXX  XXXX XXXX targeted individuals for enrollment who would be particularly susceptible to promises of better employment and increased earningssuch as individuals with low socioeconomic status and homeless individuals. 

Navient told XXXX XXXX in a letter ... '' in light of the circumstances of some private loan borrowers who attended certain for-profit colleges... particularly those borrowers who suffered a negative impact ... from false promises, '' it would be appropriate to develop a discharge process similar to that of the federal government for defrauded borrowers. 

Navient continues to ignore the school misconduct committed by XXXX  XXXX XXXX and continues to collect on loans that should be forgiven under the FTC XXXX XXXX