Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

As a XXXX school student in XXXX, I took out a private student loan with my step-mother as a co-signer. I graduated with honors from XXXX ( XXXX, which closed its doors in XXXX ) in XXXX and worked as a XXXX for the next six years. In XXXX, I decided to pursue a degree in XXXX. I graduated XXXX from XXXX University, XXXX with a XXXX in XXXX in the XX/XX/XXXX with aspirations to work as an XXXX. Since graduating, employment has eluded me, and I worry that given the current government takeover by the Republican party few job openings within public service will be available. 

The years surrounding my attendance at XXXX were a brief period of reconciliation between my father and I. My father appeared to be supportive and offered to help me attend XXXX school, which it is important to note was contrasted by years of XXXX. At the time, I believed we could get past our history and XXXX. Although I have cut off communication with him, we seem to be eternally, financially linked because of this private student loan. 

Before returning to school in XXXX, I was able to pay off nearly half of the balance of the Signature student loan, but XXXX XXXX was never willing to assist me in removing the co-signer, my step-mother, from the loan agreement. In school deferment enabled me to return to school, but ran out in the middle of my senior year, XXXX XXXX. The last year has eaten up the last of my available forbearance, and I am now being threatened with default. Bear in mind that throughout the history of this loan whenever a payment was misallocated or late, or forbearance/deferment was applied to the wrong loan, XXXX XXXX, now Navient, called my estranged father and step-mother ; they do n't call me, they call my XXXX father, and then he calls me. It is crucial that you grasp the XXXX this poses to me. 

Finding myself in this current financial crisis is only exacerbated by the looming risk of regular, XXXX from my father. In a state of XXXX, I have spent the last few months trying to find any assistance or relief from this loan, however, Navient can offer me no path under my current financial situation ; I, essentially, do not qualify for any program offered by Navient that would go towards lowering payments, removing my co-signer, or delaying payments until my financial position improves. 

Nonetheless, I find myself encouraged by the recent lawsuit filed against Navient by the Consumer Financial Protection Bureau ( CFPB ) given that I believe many of the complaints in the lawsuit apply to my circumstance, but fear that the appointment of XXXX XXXX and the election of President XXXX may thwart those efforts and put my new federal loans in jeopardy of being on a similar tract. I see nothing in the way of a stable, financial future for myself if any or all of my student debt is sold to a private, third party not required to work with me on repayment, and I am relying on you and other like-minded politicians within the Federal Government to come up with an answer.