Consumer complaint received 2016-11-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

I 'm stil having the same problems with Navinet that I had the last few times I was trying to figure all this out with you guys but got no-where. 

So this month at least the private student loans that are about 10 years old now & changed hands, merged, went out of business. A cornucopia of what happens when a system goes bad. 

For a few months it appeared as if one of the loans ( which is dissected into about XXXX or XXXX any loans, and had, I do n't even remember the names because they have been changing every time I look at them. So for about 1 month, I actually thought there might be some hope because of the statue of limitations and I was led to believe that they would all XXXX be falling off this year. 

However, 2 things happened when I checked today 1 ) all of the loans were back, so around $ XXXX or so. I guess apartanftly the statue of limitations does n't apply toward private student loans. I have never made a payment on any of these becaue a ) I did n't l know who to pay and b ) I do n't believe that I should be responsible for these loans because I was very sick, due to professionals in medical world, particularly the field of XXXX. When I made the mistake of asking for help and my XXXX decided let her boss the then XXXX be in charge of ALL of my medications, including the ones that were for my physical illness : XXXX XXXX. 

Well that turned out to be a mistake bc he was not paying attention due to his own legal problems & besides increasing the Rx for side effects of XXXX that caused original problem & then dumping all of these heavy duty rxs on me. 

I ended up in and out of the hospital between XXXX as well as put on XXXX. Because of all these factors, not only could i not stay in school but also I was prohibited by my therapist, case manager & other " 'processionals '', ' not allowing me to return And what really does n't make sense is how besides seeing this XXXX along with more than I can count or remember, bc everything you get locked up in the XXXX you end up seeing at least a few different XXXX.. ... & after years of this happening over & over, not 1 was able to figure out what was going on and these so called " doctors '' are supposed to medication XXXX .... well apartly that 's not the case or I just ended up every time with a bunch of XXXX, where NOT ONE was paying enough attention. 

The original doctors on the physical side had no idea what was going on bc my therapist refused to calll them & I was too sick to do anything, as well as the fact that once the county got involved, I was no longer considered even to be at a level of a human being and just got kicked in gut, until they broke me & learned thar trying to self- advocate w/ the county, backfires. 

This is all important bc if I had been in my right mind, I would have never gone to XXXX school nor would I have taken out those shady private student loans. Its been about a decade now and I spent the last 5 years trying to rebuild my life, which turned out to be a waste of time, bc XXXX has now gotten worse. 

Bc these loans have kept me from improving my life bc the best % rate I have beeen able to get has been 18 %. denied apartments, other necessities. All of my $ has been spent on rent bc I never " qualified '' for anything below market rarte. I might now, however but I will end up w/out elevator, parking & laundry. Things that are no longer a luxury & now a necessity. 

Since I do n't expect help from anyone nor even a response from you guys. The life I have & see for my future is just pure hopelessness & despair. These loans will haunt me until the day I die. & when happens, hopefully sooner than later, bc this is n't a life. 

Perhaps after my death, bc they have helped destroy a life & will end up taking on. Then maybe the gov will see a need in offering real help