Consumer complaint received 2018-02-15
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. (AZ)

In XX/XX/XXXX, I graduated with a XXXX in XXXX XXXX and a {$38000.00} student loan. Today, I owe {$85000.00} to Navient Solutions for that same student loan. I graduated at the age of XXXX years old and was a single mother with XXXX children twenty ( 20 ) years ago. Today I am XXXX years old.  Since I graduated in XX/XX/XXXX with a {$38000.00} loan, I have filed either a hardship or forbearance with XXXX XXXX /Navient ; and with these two options, I have deferred my student loan for 20 years. Not once in 20 years, did Navient offer me any kind of interest subsidy, nor did I make any progress toward loan forgiveness because no option was offered until recently. Today, XX/XX/XXXX, I called Navient to file another hardship for another 12 months because, like the past 20 years, I have not made enough money to make a student loan payment. Last year, I made {$9000.00}, and this type of " indigent '' income, is what I have made for the past 20 years. When I called Navient on XX/XX/XXXX, to ask to file another hardship, Navient said that I used up the maximum of forbearance and hardships that I could take. Navient said that the maximum hardship status I could take was 60 months, and that the maximum forbearance that I could take was 36 months. In the same words, Navient said I was allowed 8 years to defer my loan. I did not know that fact, because for the last 20 years, I have kept my student loan out of default with hardship and forbearance status filings. So, twenty times, not eight times, I have used hardship and forbearance to keep my loan from default. Today, Navient deceived me, or lied, or admitted that they have NOT paid any attention to my student loan account by the very fact that I was allowed to defer my account for 20 years -- not 8 years, as they said today was the limit. Navient did not offer me any interest subsidies either over the last 20 years ; and, as a result, their negligence has harmed me. My debt ratio is too heavy for me to get any type of real estate loan, and I live meagerly in a XXXX ' trailer. And today, XX/XX/XXXX, Navient states that they want to " start '' me on a " income-based repayment '' program, and Navient states if I manage to file a " XXXX '' payment required status, each year, beginning this year XX/XX/XXXX, and for the next 25 years, then they will do a loan forgiveness program. My issue with this, is where was Navient for the last 20 years?! I have already proved that I am not/was not able to earn enough money over the last 20 years to pay off this loan. Now, at the age of XXXX, they want to " see '' if I can make a student loan for the next 25 years, and if I cant make the payments year after year, then Navient will forgive this {$85000.00} loan that is still accruing interest!! I will be XXXX years old. Today, I have no retirement, and my social security is {$550.00} a month. I want to take a legal action against Navient and XXXX XXXX. My name is XXXX XXXX, and I am a graduate of XXXX XXXX XXXX  ( XXXX ), a for-profit XXXX XXXX, in XXXX, AZ. I graduated with a XXXX  in XXXX XXXX acquired in XX/XX/XXXX years ago, when XXXX total student population was only XXXX. I believe XXXX XXXX gave me expensive loans with high interest ; and that both XXXX XXXX and Navient encouraged me to postpone payments through forbearance so that ensuring the interest would accrue for their benefit. I would like to take legal recourse and be part of a lawsuit against these student loan lenders. I read that the Illinois Attorney General XXXX XXXX and Washington Attorney XXXX XXXX are both against Navient in lawsuits. Can you help me? XXXX XXXX XXXX