Consumer complaint received 2024-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX was investigated into and, due to my attendance there, I have experience extreme hardship and even homelessness. 
Because of the numerous claims of fraud and misconduct perpetrated by these for profit schools, such as The XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against The XXXX XXXX, and my Fed. loans of {$79000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was not a part of the Sweet Vs. Cardona settlement but the settlement itself is worth noting to show the state of which the situation has become.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator Elizabeth Warren has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 
I have been through a lot of hardship due to these loans and was even told that mistakes were made on their end when my loan payments were misallocated which caused one of my loans to default and capitalized interest was applied. This situation put me in a downward spiral and after years of attempting to correct this, I was then coaxed into signing up for NaviRefi, now XXXX. This was also a sham as unnecessary interest was already applied. 
I have called and requested information and the application for discharge due to school misconduct. When I contacted Navient, I was given the usual runaround and redirected over 5 times before someone was able to answer any questions. I asked for the discharge application and was told that there is no such thing. After being redirected further I was then told that there was a document but they refused to send it to me and also refused any sort of reason why. I requested written forms of this denial and/or an email explaining but was again refused.