Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

RE : XXXX coverage of Student Loans and Navient behaviors and activity I was XXXX years old when I decided to move directly past my XXXX year of high school and apply to the XXXX of XXXX. That was in XX/XX/XXXX. 
I applied to a handful of XXXX and was accepted by XXXX, but XXXX offered an almost immediate acceptance as well as a modest scholarship. I soon applied for student loans to cover the wide gap between my scholarship and the rest of tuition, filling out my FAFSA. 
My father, XXXX also filled out FAFSA and consented to co-sign for the initial school loan for an education that would assist in my goal of working as a professional XXXX with a background in XXXX. During all encounters in the loan process with the Financial Aid office at XXXX, the financial assistance counselor - XXXX XXXX - spoke to be about my " scholarship '' from XXXX as credit against tuition, which was a fraction of the annual tuition of roughly {$22000.00}. 
With the scholarship talk done, XXXX XXXX never : -- Never mentioned any differences between a government-underwritten loan, i.e. XXXX XXXX, with a decent interest rate. 
-- Never discussed interest rates, and what repayment procedures would be. 
-- Never discussed a difference between private loans, bank loans, federal student loans. 
-- Never informed me that " grants '' disbursed by XXXX were, in fact, new loans for which I would be held completely responsible. I have spent more time than I would wish or consider wise in forbearance arrangements - either during periods of unemployment following the XX/XX/XXXX economic crash, or periods when I was not financially able to make a loan payment without crashing my rent and deferring on basic needs, such as groceries and medical care. 
At the same time, Navient came after me - and my father who co-signed on the original loan. Navient pursued its collection claims with continuous rounds of telephone calls, sometimes when I was at work ( I have achieved employment in my profession, but still lack a college degree because of Navient and XXXX loan practices ). My father also received a cascade of daily, and sometimes hourly phone calls, either to track me down, or to dun him for payments they described as overdue that would be used to report him to credit reporting agencies, as well as myself. The calls came during working hours, and also during the late evening hours when law prescribes that as illegal collections activity. 
I attempted starts to payment programs that, if terms were fulfilled, would release my father from his status as co-signer, but I also have read, and understand, that Navient, rarely, if ever, releases a co-signer. 
The XXXX of XXXX will not release my college transcripts for review by other institutions, saying I am several XXXX dollars in arrears to them, but the terms of those arrears have never been outlined or explained. XXXX, the same financial assistance officer at XXXX, also has said my records can not be found. 
Initially, I am asking that my name - and my father 's name - XXXX, and XXXX - be added to the " Class '' in the lawsuit against Navient. However, we also are considering our own legal response. I would also like to add my name and voice to the list of student loan borrowers. It is my reasonable person 's opinion that I was enticed, while still a teenager - and never explained adequately the nature of the commitment I was making, while also assigning co-signer status to my father. 
In awarding me so-called " grants, '' and never explaining that it was an additional repayment obligation - and in appending my father 's name as co-signer on debts and obligations that he was never copied in on or had a chance to review - that this reinforces the pattern of fraudulent dealing assigned to Navient. 
XXXX, XXXX, co-signer