Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hi my son graduated and we did n't know nothing what so ever on there student loans, we started applying for government help ( so we thought ) because that 's what XXXX told us, we kept getting rushed into submitting these loans because they kept telling us we had till XXXX to get them done. And we thought some of this was going to be free to help us with some of the loans. We just kept getting rushed all the time and all of them came back loans. We paid at the beginning and then my mother in law got sick my wife had to stop work so we asked them to see if they could help us with the payments because it started getting tough so they did and I had them electronically debited but then they kept calling that I was late on the payments and I said I was n't and they argued that that was for the moth before. It was their word ahanst mine. So then things did start to get very thought and I called again because we were getting deeper and deeper in the hole at the back. It was to where we were up to {$2000.00} in the hole then it got worst we got to where we could n't even buy mik or bread. My wife was always crying on the phone so they could work with then my wife has been looking aged and so so stressed with this about Navient because they started telling her they were going to hire an attorney to garnish mine and my sones wages until everything got paid. How are we going to live like this? Some of then we 're even mean and unconsidered and just plain down bullies to my wife when she tried taking care of the accounts. Then there were times when my wife would make a payment and it was late because they put it on the other account.!!! How can they do this to us?? We are down to the point where we ca n't buy a car of a house or get any kind of credit because of Navient. When things got so bad that we did n't have the money to pay them they put us on forbearance just like that, but they did n't ex plane that by doing so the intrest was accumulating and it just snow balled to a huge amount that is now out of control. Now we have all developed XXXX over all this and there are times when I see my wife just crying on the phone talikg to people trying to find a solution to this night mare!! We feel like we do n't have a life no more, we ca n't go out we ca n't even go out to eat we ca n't go for a Sunday ride here in town because we do n't have gas money. Our life every day revolves on Navient! It is so so XXXX we feel like we are going to have a struck or XXXX over this. This is the worst worst thing anyone can go through being threaten every time over the phone and letters. This is awful my wife prays hard every day for this to go away. It 's like a monster on top of you and you ca n't breat!! And it 's going to XXXX! I do n't understand the greed and the mean way they do things to kids. They are our future we need to take care of them. Not make them go XXXX when they want to be in a XXXX some where. Please help us get this taken care of the right way!!! Do n't let this happen to the rest of the kids planing on going to collage, I have heard so many not wanting to go because of this with Navient they refuse to even try.. These are our XXXX kids that are going through this right now and they have no future they ca n't buy a house or a car what kink of future do they have? What is the economy going to be like if this is going to affect all these kids for a very very long time. Please help!!!! Thank you very much.

Company response to consumer: Closed with explanation