Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I took out several student loans from XXXX to XXXX that were consolidated into XXXX FFEL loans in XXXX. I have been paying on these XXXX loans for 20+ years. According to Navient, I still have XXXX more years ( XXXX XXXX, XXXX ) to go until I will have paid them in full. I had a Chapter XXXX bankruptcy, job losses and had various forbearances over time. I still owe approximately {$38000.00} which is close to the original amount I took out 20 years ago. I pay around $ XXXX/month and have paid almost the original amount off. 
I have looked at refinancing the XXXX loans before and I have gotten turned down as I have not been out of my bankruptcy for 9 years. The loans were consolidated once. 
My XXXX score is close to XXXX and I make $ XXXX per year working very hard in public service for the XXXX XXXX . I know that if I took out a 10-yr consolidation loan I 'd be able to pay off the XXXX FFEL loans for around the same monthly payment I 'm making now. My current interest rate is +/- 8 %. 
I feel I am being taken advantage of by Navient since they are missing all of my payment information from XXXX to XXXX. I paid XXXX XXXX from XXXX to XXXX when I entered into a Chapter XXXX bankruptcy which I successfully completed in XXXX. Interestingly, none of my payments during those 5 years I was making bankruptcy court payments made its way into paying off any principal - only interest - and now both XXXX XXXX and Navient have conveniently lost my payment info ( yet somehow Navient did obtain my payment info from XXXX to XXXX, but not XXXX to XXXX - 15 years of data )! Neither XXXX XXXX nor Navient have any of my 15 years of payment info! 
I know I have paid off the original sum in full, but over the years they have both deceived me by failing to disclose exorbitant fees and penalties which compound interest so that I will never pay off these loans For example, my apartment suffered damage as a result of a hurricane last XXXX and Navient contacted me via email and instructed me to contact them if " you need payment help due to recent natural disasters. '' I did call them and was old that Navient would n't require payments for two months from the time of my call to help me out after the hurricane. What they did n't tell me was that interest would be accumulating as usual, so it would have been better off not to take the forbearance and just pay them while cleaning up after XXXX Hurricane. 
In addition, I accepted a XXXX offer in XXXX primarily due to the public service debt repayment benefit. I was devastated to find out after accepting the job that I did not qualify from r this program since my loans had been consolidated - this after already trying to pay them down for 20 years! 
These deceptive practices have taken a huge financial toll on me over the years. I ca n't make ends meet, I ca n't stop Navient and XXXX XXXX from deceiving me .... The time has come to put an end to all of this. At this rate, I am never going to pay Navient off - and only they know it.