Consumer complaint received 2019-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

My name is XXXX XXXX. 

I am a second-year student at XXXX XXXX XXXX XXXX in XXXX, Georgia. 

I have private education loans through Navient for when I attended XXXX University ( XXXX ) for my XXXX degree. Per Navient, these loans are now no longer eligible for in-school deferment. They say that each of these loans have a stipulated maximum of 48 months of in-school deferment. I dont recall this being vocalized to me at the time of origination but that was a long time ago. These loans did not have a co-signor. 

What makes this story so egregious is that I also have newer loans through Navient that were from when I attended a XXXX XXXX program   at XXXX  XXXX ( XXXX ) with the aim of attending XXXX school. 

Prior to attending the XXXX XXXX program, I called Navient and asked about the possibility of obtaining private loans after voicing that my goal was to attend XXXX school. I sought these loans because I did not qualify for federal loans for the post-baccalaureate program. I told Navient about my goal of attending XXXX school and that I needed to take the science prerequisites prior to applying to XXXX school. I also asked if these loans or my goal of attending XXXX school would be negatively impacted/influenced by the loans I already had with them. Navient said they could certainly help me out with the private education loans, but at no time did Navient ever tell me that my private education loans from XXXX University would start to become ineligible for in-school deferment half-way through XXXX school. 

Further, I applied for these private loans through Navient for three consecutive years, XXXX, for this XXXX XXXX program. In every application, that was filled out by Navient with me on the phone, when I was asked what my educational aspirations were and reasons for the loan, I always told them that I needed these private education loans because I wanted to attend XXXX school  and these loans were for a XXXX XXXX   program. At no time did Navient ever tell me that my private education loans from XXXX University would start to become ineligible for in-school deferment half-way through XXXX school. If I had been told about this, I might have not attended the XXXX XXXX program and XXXX school. 

So here I am ; attending XXXX school and out of the work force. I am now told I can no longer receive in-school deferment for these loans. I am stuck. Navient has asked me if I can get a job to which I replied : XXXX school students are not allowed to work. Further, I have no recent work experience needed to secure a job. I have an apartment lease that I may have to break now, with further financial penalties, because I may have to drop out of XXXX   school and somehow find a job. I feel tricked. I feel like I was setup to fail. 

At the beginning of last week ( XX/XX/19 ) someone at Navient submitted, on my behalf, a special extension application for in-school deferment but that was denied by Navient at the end of last week. My school, XXXX XXXX XXXX XXXX, has called Navient on my behalf and Navient said the same thing : that these loans are now no longer eligible for in-school deferment. When I stated everything that had transpired above about my asking Navient prior to attending the XXXX XXXXe program and if I could receive private loans for the program and if they saw a problem with me attending XXXX school ( to which Navient said there was no problem and that they could help ), Navient said the same thing again : that these loans are now no longer eligible for in-school deferment. 

The funny thing is that if I had already graduated from XXXX school, and already in a residency program, I could potentially qualify to have my payments postponed. 

XXXX website does not say anything about how many months of in-school deferment are left for each loan. Nor is there anywhere on XXXX website where I can even read the full loan contract that would state this, not that I would even know to check about this because Ive never heard of this before. In fact, they must mail me, per company policy, the loan contracts via USPS. Its like everything is purposely unclear, hard to discern, and hard to find. 

Its like Im stuck in this small gap and falling through the cracks.