Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX   XXXX  I applied for a student loan at  XXXX  an   XXXX   XXXX   XXXX   that is now closed. When asked I was told that their   XXXX   programs and training are recognized by employers and if I enrolled will be a   XXXX    XXXX  anywhere I go. The program was 18 months long. There were  2 phases to the program that i had to apply for and the first one i did   was {$12000.00}. I completed it by  XXXX   XXXX . Before the first program was completed i applied the second time for th e 2nd phase and there was a delay in my application for weeks. I was told by the finance manager that I can go ahead with the 2nd part  of the program under the pretenses that she would get funding for me while im in class. The first class wa s 6 weeks  and i had completed it and then after i was told i could no longer finish the program because   XXXX   XXXX    rejected my application. So i had to pay out of pocket for that last class. And i drove to   XXXX   in  XXXX  ca and gave them checks for {$50.00} for several months. And at some point without my knowledge the school had my   XXXX   XXXX   loan adjusted for that class to get added into my loan and i was never given paperwork or a call as to when, why, how that happened. In  XXXX   XXXX  I applied at an e  XXXX   XXXX   XXXX   position at   XXXX   XXXX   XXXX   in  XXXX   XXXX , ca and they told me they dont recognize   XXXX   credit/training. And i would have to go back to an accredited college.  XXXX  started an  XXXX  program with   XXXX   XXXX    college  in  XXXX , ca. I was enformed by the  student services  office that my  XXXX  courses that i completed were not accredited and counted for nothing. I ended up attending the    XXXX   XXXX   XXXX   progra m from  XXXX  and wasted that whole year in  XXXX  at   XXXX   to only walk away with   XXXX   XXXX   XXXX  n debt at that time. My loan had been deferred during my  XXXX  training and now I 'm over   XXXX   XXXX    i n debt. I 've called them during  XXXX  after i completed the  XXXX  many times on help with repayment options and when speaking to customer service associates they have been rude, hostile, insulting and threatening to take legal action against me accusing me of not being responsible for paying back the loan. My family and I suffered a loss when my father passed away  XXXX / XXXX / XXXX . My mother needed help with trying to pay back my father 's debt while paying {$2700.00} in rent. With my dad 's income lost and only   XXXX   XXXX   in life insurance to lay my father to rest, i had to fill in to help her. I have spoken to now Navient about my life situation and they offered no interest reduction or deferment of the loan. I could not keep up with the payment along with other expenses. Especially for a school that is now closed which i made them aware of. So they sent a letter to my home after failing to contact me and reach an agreement that would help me in my time of loss. They were preparing a litigation, to take legal action against me and garnish my wages. So i called them and all they offered me was an interest rate reduction program to which will end  XXXX   XXXX . I 've paid back over {$6000.00} and the {$25000.00} balance still remains the same.

Company response to consumer: Closed with explanation