Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Note my complaint is about Navient, not XXXX, though XXXX is the reason I found out about Navient giving me false information. 

This XX/XX/XXXX my loan servicer was switched from Navient to XXXX. During this process, I was informed that Navient had lied several times about my student loan repayment plan. In the last 6 years, Navient has told me several times that I was in an income based repayment plan, and that my payments would be counted under the Public Service Loan Forgiveness program. As a result of being in the wrong payment plan, I have paid an additional $ XXXX in student loan payments I would not have paid in the correct payment plan. Additionally, I may have to pay almost $ XXXX more if the debt I have after making 10 years of payments is not discharged through the PSLF program because of Navient 's actions. 

I called Navient several times to make sure I did everything I needed to do in order to qualify for the PSLF program. Even today, they still maintain that they put me in a payment plan that would allow my payments to be counted towards the PSLF program. on XX/XX/18 at XXXX EST I talked to a customer service rep for Navient named XXXX and they told me I had nothing to worry about because my payments would qualify. 

They lead me to believe I had to do everything directly through them and not the Department of Education. Navient told me that I didn't have to submit an employment verification form until closer to the date that the loan was due to be forgiven. I found out through the Department of Education that this was not the case, and that I should submit the form ASAP, I did, and it was approved. 

I have filed a case with the Department of Education, asking them to count the payments I've been making for 6 years now towards the PSLF program. I have also been put in an income based payment plan, my payment is around {$60.00}. Navient calculated my payment to be ~ {$200.00}. I have attached documents showing this. My income has not changed significantly in the last 6 years, as I've been at the same job, if Navient had actually put me in an income based repayment plan and calculated my monthly payment through this, my payments would have been much lower. Normally, this would only mean that I was paying off my loan faster-but since I was planning on applying to have my debt forgiven after 10 years, this is money I wouldn't have lost if it were not due to Navient 's several mistakes and dishonesty. 

Please understand how completely devastating this is to my family. Our entire lives have been planned around this loan forgiveness. I am almost XXXX years old, we have been living paycheck to paycheck our entire lives, I have been working a lower paying job through the XXXX for almost 6 years now, because doing so would mean I would qualify for this program. If we have to pay my loans for 6 more years in addition to paying my husband 's for at least 10 more years, we will never be able to have kids, or own a house, it will be difficult even if we do. 

I hope you can add me to the class-action lawsuit against Navient, and that this never happens to another student. 

A fair resolution to all these things Navient has done would be for Navient to reimburse the people for all the money they've lost because of Navient 's practices. 

A more reasonable resolution would be for some financial compensation for those most hurt by these practices. 

I have filed a case with the Department of Education to see if they will count the payments I made under Navient as qualifying payments towards the PSLF, I have yet to hear back from them. I have not received anything about the class action law suit against Navient through the mail.