Consumer complaint received 2017-01-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I am looking to get directed in the right area to see if I have any options in regards to a private loan I took out a few years ago with a school that closed- XXXX XXXX College . They also had a class action lawsuit filed against them with the PA attorney general which was settled XX/XX/XXXX and one of the issues was inability to transfer credits based on misrepresentation by the school. I need help with a credit dispute as the school promised my credits would transfer to a four year college and did not do so. So I ended up having to take over roughly XXXX credits at XXXX University. The school was under investigation, this website gives a list of articles regarding the investigation to this school ( XXXX ). My loan was originally for XXXX Now a few years down the road I am owing over XXXX dollars with a 9.75 % interest rate.I would really like to finish my XXXX degree but I am already in debt XXXX ( the XXXX towards XXXX which broke its promise in regards to job placement and credit transfer ) along with federal loans that were with them as well which is equal to about an additional XXXX. The rest is for XXXX University which I am currently attempting to get my XXXX degree at. 

Additional information from the Director of Public Policy and Research- National Association for College Admissions Counseling . XXXX XXXX. 

-XX/XX/XXXX, the Pennsylvania Attorney General reached a settlement with XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX in a case involving misrepresentations about student loans, job placement and transferability. 

XXXX XXXX XXXX XXXX XXXX XXXX was forced to pay {$200000.00} to the State of Pennsylvania after the Attorney General reached an Assurance of Voluntary Compliance with the XXXX XXXX XXXX ( XXXX ) operated by a subsidiary of XXXX , XXXX XXXX XXXX after a state-led investigation. The investigation finds XXXX guilty of violating the Consumer Protection Law by failing to provide explanation and individual attention as promised to students regarding financial aid repayment guidelines and interest rates, using quotas for enrollment as well as incentive-based compensation for admission counselors and steering students towards one lender. The suit also finds that the students were misled in regards to post-graduation employment, compensation and transferability of credits to other institutions. ( Assurance of Voluntary Compliance settlement, Court of Common Pleas for XXXX XXXX, PA, XX/XX/XXXX ) XXXX XXXX XXXX , owned by Career XXXX XXXX XXXX is reported to have practiced illegal recruiting, enrollment, and grade reporting in Pennsylvania XXXX XXXX complaints were submitted to the Pennsylvania Department of Education, which did not act on the complaints as they were " out of its purview. '' -Telemarketing -- that 's how enrollment at XXXX XXXX College often begins. Recruiters must make 125 calls and schedule XXXX appointments a day, and enroll XXXX applicants a month. Top performers get vacations to the XXXX. Those who fail to sign up enough applicants are asked to resign. '' ( XXXX Morning Call, XX/XX/XXXX ) Among the Morning Call 's investigative findings were " aggressive and sometimes misleading sales tactics are at the center of XXXX 's recruiting. School officials give prospective students inaccurate or incomplete information. 

Any help would be great in this area. I have filed a defense for repayment for the federal loans but that does not apply to private loans.