Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

I have 4 student Loans through Navient. Each month my monthly payment on each loan gets higher and higher and my loans are not going down. I understand the interest rates but it's getting out of control.

From: Navient 
Date: XX/XX/XXXX at XXXX XXXX   CDT
To: XXXX
Subject: Your Application from XXXX has arrived

From: Navient - Department of Education Loan Servicing 
Date: XX/XX/XXXX at XXXX XXXX CST
To: XXXX
Subject: Your forbearance request has been approved

From: Navient-Department of Education Loan Servicing 
Date: XX/XX/XXXX at XXXX XXXX CST
To: XXXX
Subject: XXXX, Your Forbearance is Ending
Reply-To: XXXX

-The forbearance was to see if I would be approved for some sort of help. On XX/XX/XXXX my forbearance ended and my payments started out pretty low. They also told me OVER THE PHONE, that I would pay two of the loans and the government would pay the interest rates on the other two loans, I think they said I'd still be responsible for the un-subsidized loans? Or the other way around I can't remember. Either way, 3 out of 4 loans still show I'm paying 6.8% interest and the amounts just keep going up, even though I am making the requested payments. NOTHING HAS CHANGED!

-On my credit report it shows I had my student loans deffer-ed from XX/XX/XXXX through XX/XX/XXXX, then applied for them to be deffer-ed again from XX/XX/XXXX to XX/XX/XXXX. I then tried to start making payments, by XX/XX/XXXX I fell behind so deffer-ed them again, but still made a few payments in between this deferment. This goes off and on like this until XX/XX/XXXX when I consistently started making monthly payments. Since then I've noticed, I've got a ton of late fees all the way back to XX/XX/XXXX on all 4 loans. Why would I have lave fees if they were deffer-ed? 

Current Loan Status: Repayment Plan: Income-based ends XX/XX/XXXX

Loan 1 Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after

Loan 2 Un-Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after

Loan 3 Un-Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after

Loan 4 Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after

As an example, you can see the first two loans are not matching up for what is due for XX/XX/XXXX. Why are they charging me more? And why are my monthly payments going up? All payment information is attached.

XX/XX/XXXX:
Loan 1 due: $XXXX - Says in repayment plan I should be paying $XXXX
Loan 2 due: $XXXX - Why so high and so different from what they agreed to? Says I should be paying $XXXX
Loan 3 due: $XXXX - Correct
Loan 4 due: $XXXX - Correct

On top of all of this, XXXX College closed. I failed an internship in XX/XX/XXXX. I was told to go back to XXXX and get placed at another internship. I went back to speak with the school around XX/XX/XXXX and the doors were closed. I was never informed and was never told where to go or what to do. When I tried to call, there was never an answer. Shortly after I started receiving bills. XX/XX/XXXX I had my son and was a homeless single mom. I was trying to graduate before giving birth. Due to my income I was able to deffer the loans as long as possible. Now that I am making payments, I am getting FED UP with how the loans just keep going up and up and up. I have worked my butt off and brought my credit up as high as I can, XXXX now. But because of these student loans and them not moving, I cannot buy a house. If I had a secured monthly payment that actually dropped my student loans, my credit would go higher, ultimately allowing me to provide a home for my family.