Consumer complaint received 02/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My dates with working along with XXXX which is now considered to be called NAVIENT-XXXX XXXX now. Is that i have noticed over the past few years that not only have i spoken with several reps regarding my current situation at this time on not being able to pay anything on my loans at this point, but also to have my current loans forgiven completely at this time. However NAVIENT have continue to abuse my lack of knowledge on knowing what to do so therefore repeatedly putting my acct in the status listed below. 

# 1 : FORBEARANCE : Which putting my acct in such a plan will only allow my acct to collect/ occurred more higher fees onto my {$33000.00} loan and making this outstanding illegal debt to only grow higher # 2 ) Deferment : Now to me from what i can understand this only pushes the loan out only to a point where your other paper work is either still being processed or again occurring more fees onto my {$33000.00} loan only to make it higher over the years to come. 

Not only am i an innocent victim here who only tried to further/ better her life as well as her education but also tried to find and trust a University as well as the Loan company with my personal info as well as hoping to build a brighter future. Not only am i a victim to such horrible unlawful which should be illegal behavior towards Navient-XXXX XXXX, but come to find out millions of innocent students are a victim as well.. 

Navient also took part in knowing that my University was previously sued back in XX/XX/XXXX ( XXXX XXXX XXXX ) and lost the case due to Defrauding, and abusing innocent students such as myself by using our personal info and lying on our apps/ documents just to defraud the Government so the University could received funds off of the student only to benefit them as enrollment counselors as well as to benefit the University.. 

Upon NAVIENT knowing such info the company still decided to use and abuse me and place on my credit report several high unpaid loans only to sabotage my creditably and to make me a weak helpless victim ... Not only am i not able to afford such out of control bill, but i live along caring for a dad back home in Ga who has XXXX XXXX XXXX not to mention i have had XXXX XXXX myself on XX/XX/XXXX and on bed rest for the next 2-3 weeks prior this taking place in my life/ finances the ER Doctor also diagnosed me with " XXXX XXXX '' back in XX/XX/XXXX stating headaches are stressed related which my stress has been caused by harassing phone calls from Navient Reps on out of control {$33000.00} bill.. 

I have attached documents showing where my University was sued and that Navient is the loan company for this University on my acct. Also i do not feel that NAVIENT have done enough to get students such as myself into the " IDR '' ( Income-Driven re- pymt plan ) but only lead myself the student into high " Forbearance instead ... 

Please do refund me/ deposit back into my checking acct only the " Interest Rates '' that was charged onto my accts/bill during the time my acct was placed under/ in " FORBEARANCE '' only to make this loan much higher ... 

Navient Address : XXXX XXXX XXXX : XXXX, PA XXXX : Ph # XXXX My Navient Acct # XXXX Bank : XXXX : PH # XXXX Routing # XXXX Acct # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation