Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Dream Center Education Holdings (IN)

XXXX. XXXX. XXXX My son XXXX XXXX went to school at XXXX XXXX   XXXX  XXXX XXXX back in XXXX. At the time I was married but making less than XXXX a year. We ( my XXXX   and I ) went to the XXXX XXXX XXXX XXXX based on a ad they were running on television. We had absolutely no idea how this worked because I did not go to college. I just wanted something better for my XXXX. 
Without hesitation they approved me for the loan when I only claimed XXXX a year. I was a bit surprised I got approved but it was only for XXXX and I thought that covered the first year and he could get financial aid for the XXXX year. Then, later, I found out after he transferred to XXXX, that the loan amount was {$8000.00} per semester so it ended up to be several loans for him to continue in school. 
Yes, this was ignorance on my part but I believe they intentionally tried to deceive me into enrolling because we were a low income family and they preyed on this type of situation. 
While in School in XXXX XXXX was hit by a hit and run car while riding his bicycle to school. He had no insurance and therefore was hit again with many doctor bills which the hospital eventually wrote off because of the hit and run. 
In the meantime, I went through a divorce and could not afford to get any more loans and I knew the ones I had were going to be very difficult for me to pay back. 
XXXX couldnt get approved for loans because of his doctor bills ( before they were written off ) .They were happy to give me another loan, though. 
I refused so XXXX had to quit school with no degree and try to find s job to support himself in XXXX. I tried to make payments in the beginning but I could not make payments and support myself as a single woman with no degree. 
Later, when I was working in a non-for profit job full-time I had called and tried to get on the payment plan based on my income. They ( at the time XXXX XXXX ) had me go through the grueling process only to tell me at the end of the process that my XXXX loan didnt qualify for this type of repayment plan. So, Once again they recommended forbearance which is what they easily recommended every time. 
They ( now XXXX Who bought out XXXX XXXX ) has done this to me more than once. My loan went from {$40000.00} in the last nine years to {$110000.00}. 
To date, the XXXX XXXX XXXX has been closed and recently the XXXX XXXX  XXXX was closed. Both have been accused of predatory lending and claims in reference to the school and what kind of degrees and job placement you could receive as opposed to the money you spend on your degree. These were nothing but lies. 
Since we couldnt pay the loans and pay housing and such to function, over the years weve both had to go into forbearance and now the loans have tripled. 
I will NEVER be able to pay this loan and he struggles to pay his. 
In XXXX I was diagnosed with a rare XXXX XXXX disease called XXXX XXXX XXXX XXXX. My symptoms arent full blown yet so I can work but not full time. I cant get any help unless I am working or seeking full time work. 
I am currently married but I signed a prenuptial agreement stating that we were both responsible for our own debts. Therefore I am still solely responsible for this outrageous debt. 
I am not sure at this point what to do. I suffer from severe XXXX XXXX problems, XXXX XXXX stemming from XXXX XXXX XXXX and XXXX issues ( XXXX ) as a result of this disease. 

Now the loan is at {$110.00}, XXXX. 
Shame on we are institutes and shame on our government for allowing this kind of predatory lending. 
I would appreciate any help in my situation because I have simply ran out of options. 
Asking for XXXX. 

XXXX