Consumer complaint received 2015-12-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (UT)

I am an XXXX military member who financed a XXXX school education through private lenders. I was forced to pay the entire tuition up front. 
The school was never able to properly train the students, and it eventually shut down before I was awarded a degree. I am now stuck with $ XXXX in debt and nothing to show for it. I spoke with XXXX XXXX XXXX at the XXXX XXXX Legal Assistance Office, and he referred me to the CFPB and Office of Service Member Affairs. 
XX/XX/XXXX I began XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX. This was a XXXX accelerated program which I was told would take 6-8 months to complete. To no fault of my own, I was continually faced with significant delays in my training due to poorly maintained and XXXX, lack of available instructors, etc. In XX/XX/XXXX, after 26 months of training, the school unexpectedly closed leaving myself and several other students unemployable with incomplete training and mountains of debt. 
XX/XX/XXXX, the owners of XXXX XXXX XXXX filed for Bankruptcy under Chapter XXXX and I was settled with a significant amount of student loan debt for training I had not yet received. I was told by the Bankruptcy court that through Chapter XXXX Bankruptcy, no action could be taken against the owners and that private student loans could not be forgiven through bankruptcy. At this time we also learned that the school was not bonded as required, and that the State had been investigating the company for some time now. They had little to no assets. 
The next several years were spent working on my XXXX XXXX through XXXX University and working as much as possible to support my wife and I and to pay off my debts, all while trying to figure out how to complete my education to qualify me for a job as a pilot. XX/XX/XXXX I learned of the XXXX program through the XXXX and began the application process right away. XX/XX/XXXX, I was selected, and just days after my XXXX son was born, I joined the United States XXXX. In XXXX I left for XXXX, and upon completion of XXXX I was sent to XXXX XXXX XXXX to attend XXXX. After becoming a XXXX, I successfully completed XXXX and started XXXX, which I completed and graduated from just last month as a XXXX XXXX. 
The time since XXXX XXXX XXXX 's closure has been especially trying both financially and emotionally for my wife and I. It has placed a significant financial hardship on our family as we 've struggled to meet our needs, provide for our XXXX children, and have had to place all other financial goals on hold due to the substantial amount of student loans we are paying monthly. We pride ourselves on our desire to be financially responsible and to maintain a good financial standing and feel we have managed these loans to the best of our ability, however it is becoming increasingly more difficult to manage. We feel especially blessed and grateful to have found the avenue we have through the XXXX XXXX and we are pleased to be a part of the XXXX 's aviation family, however the reality is that we continue to face the consequences of the schools dishonest dealings on a daily basis and will for many years to come until we are able to pay off all of these debts and the substantial interest they 've been accruing. We sincerely appreciate any help or assistance you might be able to offer on our behalf and thank you for considering our claim and looking into this further for us.