Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I am writing regarding my Federal Student Loans from XXXX XXXX XXXX XXXX. I have been paying my federal loans every month since XXXX XXXX, first under FFEL and then under the XXXX consolidation program. My loans were first under XXXX, and at some point, my loans were sold to Navient. I have worked in the XXXX XXXX XXXX for over 10 years, since XXXX XXXX, and as a XXXX since XXXX XXXX. Specifically, I am asking for service credit towards paying my loans since I started paying them under the XXXX Consolidation program after I consolidated them with the federal government again in XXXX XXXX. I would like information on what my income-driven payments would have been prior to XXXX XXXX, when I was still with Navient. When I asked Navient about consolidating my FFEL loans, I had been given amounts that were so high that I could not pay them so I kept my loans under FFEL instead of consolidating them. That meant they could not qualify for PSLF. This did not make sense to me that the income-driven amounts were so high, but I was told that by representatives from Navient so I believed them. Once I did re-consolidate them with XXXX, my payment was much different than the estimate that had been given by Navient. In fact, my payment through XXXX was cheaper than my monthly Navient payment. 
In late XXXX XXXX, I spoke with Navient discussing PSLF and was told, for the first time ever, that my loans should be serviced by XXXX if I wanted to do PSLF, even though I had spoken with them about it on several occasions. This was also the first time that Navient gave me a realistic amount that I could pay through my loans instead of a very high amount estimated with income-driven. My loans were transferred to XXXX in XXXX XXXX and I started making payments. 
In XXXX XXXX, I turned in the PSLF Employment Certification. I spoke with XXXX about my loans, and for the first time ever, I was told that my loans were in the wrong plan and that I should be on an income-based plan. I understood from Navient that switching my loans to XXXX would put me in accordance with all that was required of PSLF and I would be placed in the correct plan. 
I had a few conversations with different representatives from Navient and then XXXX servicing and thought that I was consolidating with the correct plan. I paid every payment since XXXX XXXX at a monthly payment of {$270.00}. I have now changed plans to an income-based repayment plan and my monthly amount has increased only {$27.00}. I made more money in XXXX than in XXXX, so I believe the monthly amount would have been less in XXXX had I been in the income based. I would even be willing to pay the difference from each month 's payment in order to have all of those payments qualify. I previously paid {$330.00} a month to Navient for years. 
I am continuously frustrated that because my loans from XXXX were consolidated into Federal loans under XXXX, they can not count towards my service from the XXXX PSLF inception year because then I would only have this last year to pay until my loans would be forgiven in XXXX. I still have my other half of XXXX school loans that were private and not allowed to be consolidated with XXXX loans back in XXXX. I have been a XXXX for over 10 years and paid loans that whole time, yet much younger XXXX will have their XXXX school loans forgiven before mine even though I have paid 10 years already. I do ask that my payments be considered starting from the XXXX XXXX payments to be included towards my service years and that Navient be investigated for giving me incorrect information about estimates for income-driven monthly payments. I paid more to Navient under the wrong plan than I pay now under the correct plan and that does n't seem right.