Consumer complaint received 2018-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (LA)

I have filed a complaint before on this same issue with no positive result : Complaint # : XXXX on XX/XX/XXXX. 

I started having XXXX on XX/XX/XXXX. I was put in the hospital, at XXXX XXXX XXXX in XXXX XXXX, LA, and released XX/XX/XXXX by XXXX XXXX XXXX, with the following written quote, " Due to XXXX XXXX, he is unable to return to work or military service until further outpatient treatment has been completed. This will be followed up by his outpatient provider ''. I was admitted to XXXX XXXX XXXX for Intensive Outpatient XXXX  to complete XXXX XXXX 3 days a week, for an undisclosed ending period. I was put on FMLA,  unpaid leave, at my employment, XXXX, XXXX. I was forced to resign my employment on XX/XX/XXXX, due to not having a definitive timeline to be able to return to work. Based on my credit report, I paid, or was current on payments with these loans between XX/XX/XXXX through XX/XX/XXXX, despite Navient quoting yesterday, " you managed to pay other bills, but ignored paying us ''. I saw my third XXXX, which is XXXX XXXX at XXXX XXXX VA XXXX XXXX, on XX/XX/XXXX, with my next appointment on XX/XX/XXXX. I was officially released to work/find work on XX/XX/XXXX, by XXXX XXXX. I have not paid any credit cards since XXXX. I had some monetary help from family and friends to try to keep my vehicle insurance, health insurance, cell phone, and apartment current ( to include utilities ). I also had XXXX XXXX on XX/XX/XXXX, and released to work by that doctor mid XX/XX/XXXX, but was not released by XXXX as of yet. I went through XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, while currently waiting on the VA to approve more XXXX XXXX. I have applied to Social Security XXXX, in XX/XX/XXXX, and Supplemental Income, in XX/XX/XXXX. I have applied for VA XXXX XXXX, in XX/XX/XXXX, and Pension in XX/XX/XXXX. I do not have any temporary or permanent XXXX insurance. I could not get unemployment insurance between XX/XX/XXXX through XX/XX/XXXX, due to " not being able to work ''. I was denied unemployment insurance in XXXX, due to " lose of job through no fault of my own '', since I resigned, instead of getting terminated or laid off. I appealed the decision, but the judge ruled that I am denied unemployment insurance. 

Sorry this is so long, but I wanted to show what I have been through the last 6+ months. I was angry and XXXX the entire month of XX/XX/XXXX, which is one reason I was not able to return to work. I have not had an income since XX/XX/XXXX. I had to break my apartment lease on the closing of XX/XX/XXXX, which I owe over {$1200.00}. I had to break my cable subscription in XXXX, which I owe over {$600.00}. I have many medical bills that are unpaid, and are now in collections. I owe XXXX 's, complaint filed on XX/XX/XXXX ( XXXX ), over {$3200.00}. My cell phone was suspended on XX/XX/XXXX, which I owe over {$600.00} plus payments on devices still owed, to XXXX XXXX XXXX. My bank account was closed, due to negative funds for over 60 days. I was able to return to military duties after XX/XX/XXXX for the XXXX XXXX XXXX. Everything I earned in XXXX went to military debt payments, and the negative funds in my bank. I was able to payoff my negative funds in XXXX and open a new account with my drill pay. I have received my federal income tax, which I am living off of at the moment. I had to spend over {$400.00} on vehicle parts to fix my vehicle, that I had to struggle to change myself for lack of funds. I was also able to switch my cell phone to XXXX in XXXX. I explain all of this information every time that I call and speak with Navient, but they insist that I have enough income to pay them every month. They constantly threaten me with default, now the loans will go into default XX/XX/XXXX per the customer service supervisor I spoke to yesterday. 

The supervisor belittled me saying " it's my fault that I can not get a job, not hers ''. She would constantly argue with me about what I would tell her. She questioned everything I said about my situation like I was lying to her. Almost every time myself or my Co-borrower speaks with Navient, we are ensued in an argument, like we are lying and just trying not to pay the loan. I would love to be able to pay the loan, so that I can get rid of the loan. I would also love to be able to pay all my other bills too!!! Yes, Navient has helped me in the past, but it usually took multiple phone calls to speak with someone that would actually care to help. It was not explained to me that there was only 24 months of forbearance time. Forbearance was always the solution Navient would give me, instead of lowering my payments. The loan was almost in default the last time I needed help. And then all I was asking was to lower my payments 20 %, since I was cut 20 % of my hours at work, due to the current XXXX slow down at the time, for which I " misspoke '' on the previous complaint saying " I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX  glut. '' That statement should of read, " I luckily found a job a few weeks later, but I am now cut 20 % of my pay do to the current XXXX  glut. '' I told Navient yesterday that I only receive about {$280.00} after deductions and taxes from my XXXX XXXX pay. My cell phone bill is {$120.00}, due to having to purchase a phone also, since I did not have one to use with XXXX. My vehicle insurance is {$55.00}. That's a total monthly expense of {$180.00}. Which leaves me with {$100.00} for gas that will take me 2 hours away to XXXX XXXX for doctors appointments, any interviews that I finally get for jobs, and getting to my military unit for monthly drill duty. I currently live with my father and step-mother, who are living check to check, dealing with their own medical bills and expenses. My father will pay for my gas to get to doctors appointments, interviews, and drill, if I do not have the money, and only if I spent the money on my cell phone and vehicle insurance. If I were to start paying loans instead of my bills, I will not receive help from my father, and will still be in the same situation I am in now. It's a lose lose situation, until I can start working. And even after I start working, I will have to get another apartment, and get utilities setup again. After I finally get a job again, I will still probably need two to three months to be financially stable enough to start paying loans again. I tried to  explain to Navient that they are not the only company I can not pay. Navient told me to pay them, and figure out how to pay my cell phone, vehicle insurance, and gas after that! The supervisor told me that my bills are not her problem, the loan is. When I asked about working for Navient, she told me to see if there are any jobs open in my area, well of course I don't live near any Navient jobs, so she said I being condescending. I explained to her that they may have telework that I can do, and that's why I asked about jobs. She also told me that any company that I am in default with will not hire me anyway.

1 ) That does not make any sense to me, since hiring someone that owes you money could guarantee a payment on the loan.

2 ) I do not fall into default until XX/XX/XXXX, per that same supervisor. 

I also have to explain the entire situation every single time that I call. I'm beginning to wonder if the customer service associates are even entering notes on my account.