Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MA)

I started college with no debt. Today I have over {$230000.00} of student loan debt. I am in very big trouble with my lenders and desperate for help. Im behind on all my payments, unemployed, homeless and suffering from chronic physical and mental health issues. My health issues have impacted my ability to make the minimum monthly payments on my student loans.     Here is a brief bio. I grew up an only child in a single parent household. I serve d four ye ars   XXXX   XXXX   in the military fr om  XX/XX/XXXX  -  XX/XX/XXXX . I was honorably   XXXX   a nd have a 10 % service connected   XXXX .  I used the G I Bill whil e I was in college until it ran out i n  XX/XX/XXXX . In  XX/XX/XXXX  I star ted   XXXX   school at  XXXX  University in  XXXX . I n  XX/XX/XXXX , I  was diagnosed with   XXXX   XXXX   . I  graduated with a  XXXX   XXXX   XXXX  in   XXXX   in   XX/XX/XXXX . In  XX/XX/XXXX , I  began taking classes for my  XXXX   XXXX . I n  XX/XX/XXXX  I had  to be hospitalized due to complications with my  XXXX   XXXX . Halfway through the final semester of graduate school I had to stop my thesis class due to   XXXX   XXXX    complicat ions.     In   XX/XX/XXXX I was ab le to complete the   XXXX   program and receive a  XXXX  of  XXXX  degree. Upon graduation I worke d five years for the sa me employer in  XXXX . In   XX/XX/XXXX  I was   hospitalized due to problems with my  XXXX   XXXX . In   XX/XX/XXXX , whil e working full-time, I had to file for Chapter  XXXX  bankruptcy because I could not afford my student loan payments. I was on bankruptcy until  XX/XX/XXXX . I continued having issues with   XXXX   XXXX    at work and had to go on   XXXX   XXXX    three times and needed to take a five week leave of absence.  Ultimately, in   XX/XX/XXXX , I  had to leave my job and go on   XXXX   XXXX   . I w as on my former employers  XXXX  insurance from   XX/XX/XXXX   XX/XX/XXXX f or   XXXX   XXXX     and  XXXX .     In   XX/XX/XXXX  I  had to be hospitalized due to complications with my  XXXX   XXXX . In   XX/XX/XXXX   the  XXXX  insurance company determined that I no longer fulfilled the definition  of "   XXXX   XXXX   . In   XX/XX/XXXX  I went back to work doing short-term contract jobs for  XXXX  companies. In  XX/XX/XXXX  I was sick  again with  XXXX  just as the contracted ended. I began collecting unemployment i n  XX/XX/XXXX . I tr ied to find alternative careers to   XXXX   while on unemployment. I wanted to find a job that would not exacerbate my   XXXX   or  XXXX .     I was having trouble finding suitable employment and started using m y 401k to pay for livin g expenses and my student loans. The savings quickly ran out and i n  XX/XX/XXXX  I suffere d a   XXXX   XXXX  . I was hospitalized   XX/XX/XXXX  for six week s. I had to move out of my apartment and a social worker helped me get into a homeless shelter for veterans o n  XX/XX/XXXX . In  XX/XX/XXXX   I will be participating in an  XXXX    XXXX   XXXX   program. I have applied for social security  XXXX  since I have not been able to work. The claim is still pending.     My health problems have affected my ability to pay my student loans. When I was on  XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX  I  was only getting 60 % of my pay rate from my former job. All of that had to go towards basic living expenses and hospital bills. I was on Chapter  XXXX  bankruptcy from   XX/XX/XXXX  to  XX/XX/XXXX  and ma de all of my scheduled payments to the trustee but the student loans were still accruing interest. I couldnt afford to make additional payments to the student loans while on bankruptcy and in the end they would be higher than when I started.     I have student loans through  XXXX   XXXX , Navient,  XXXX  and  XXXX . Today all of my loans are delinquent. I have called them and explained my situation but they say there is nothing they can do. I am afraid that they will begin garnishing wages from my mother who co-signed on many of my loans. She lives in an elderly community and makes a modest wage working part-time   XXXX   XXXX   XXXX   XXXX  . I am still feeling the effects of the   XXXX   XXXX   and I dont know what to do about my loans.