Consumer complaint received 2019-02-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (MS)

I am a XXXX XXXX woman who has dedicated my life to servicing my community through ministry and health awareness. I participated in XXXX XXXX vocational classes in high school, attained a XXXX XXXX XXXX XXXX in XXXX at XXXX   University for XXXX and gained my XXXX XXXX   XXXX through Gods grace. After interviewing twice for a XXXX XXXX job at XXXX XXXX XXXX XXXX XXXX ( XXXX, MS ), I was told to call back if I ever decided to go to XXXX school. Upon acceptance into XXXX school, I was presented with the XXXX assistanceship program. This opportunity would pay for the 3 years of tuition in return for 5 years of work at one of the many XXXX XXXX XXXX locations. 
I was overwhelmed and skeptical. The contract was very ambiguous and made no mention of salary details. Upon inquiring about salary, I was reassured that nothing would be deducted from my pay and I would be offered a competitive salary of at least $ XXXX. I considered this opportunity to be a blessing signed the contract. Looking back, the contract made no mention of a time frame for a job offer to be made, a less than competitive salary or a bi-weekly undisclosed fee that would be taken as repayment. 
While in XXXX school, I reached out to my contacts several times to express my intention of working for XXXX. The correspondence generally resulted in implications that there would probably not be any open positions. Immediately after graduating and attaining licensure, I immediately reached out to my contacts and told them I was ready to work. After not receiving any correspondence for a few weeks and expenses climbing, I sought other employment. It was only after securing other jobs that I was offered a job at XXXX with all the undisclosed stipulations and terms. I decided to work for another organization and to repay XXXX for the tuition costs that were paid on my behalf. 
The sum was turned over to a loan servicer called XXXX XXXX. The payments began XX/XX/XXXX and quickly became overbearing. The sum was split into 2 separate loan payments to be paid simultaneously with different maturity dates simply because the loan servicer had, never incurred such a large sum in their office. One loan totaled at {$1600.00} per month with a maturity date of XX/XX/XXXX and the other loan totaled at {$1800.00} per month with a maturity date of XX/XX/XXXX. The terms were never presented to me in writing and seemed to change depending on who I could talk to at the loan servicer. The loan servicer representatives gave me a single contact at the XXXX headquarters with whom I was supposed to discuss terms and agreements. Unfortunately, the contact was a dead-end phone number to random nurses desk who never answered or returned voicemails. 
After numerous requests from XXXX to XXXX, I did not receive any returned phone calls or written correspondence other than from the loan servicer demanding payment. I could only afford to pay one of the XXXX loans a month ( in addition to other student loan payments and living expenses ) so past due amounts were turned over to a collections agency called XXXX and XXXX which effectively ruined my credit. 
It was only after sending a certified letter to XXXX XXXX XXXX president XXXX XXXX on XX/XX/XXXX that I received some correspondence. In the letter I asked that the larger loan be put on hold until I paid off the smaller loan. The terms were agreed upon but sums are being continuously being turned over to XXXX and XXXX in spite of my holding up my end of the agreement. 
I am at a financial standstill. I am being denied credit approval for everything from purchasing a home to in-store furniture purchases. What can be done so that my credit can be revived and the financial burden be lightened?