Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient states I owe XXXX. I attended XXXX XXXX XXXX in XXXX KY in the early XXXX ( I believe it is closed now ) I became XXXX 5 years ago, XXXX was not approved until 15 or so months ago. I have applied for loan forgiveness 3 times, the first two times Navient stated that they did not receive so the 3rd time I uploaded the application, court order of XXXX and XXXX documents into the system to avoid any more mishaps. Navient denied my forgiveness stating that they require documentation of 5 years ) 60 months ) of XXXX. Here in lies the problem, SSA policy indicates that they review every 3 years and physicians in the state of Florida will not breach their policy to provide letter of XXXX duration due to health care and insurance policies. My guess would be that Navient was and is aware of said policies when they made their 5 year policy to make it harder or even impossible to achieve loan forgiveness. I have also requested my original signed loan documents twice of yet they still have not provided. Here is an email dated todayXX/XX/XXXX that I sent to Navient : Hello, I am taking this as a first step as it is the appropriate measure at this time rather than jumping in on the class action lawsuit or filing any formal complaints. I have applied for loan forgiveness 3 times. The first two times somehow Navient never received so I emailed/uploaded the 3rd application for forgiveness so there could be no more mishaps. I received a response stating that my application for loan forgiveness was denied as five years ( 60 months ) of XXXX needs to be provided. I have provided documents from court, ordered and signed by a judge in good standing in the state of Florida stating that in fact I am XXXX and will never be able to obtain nor maintain gainful employment again. Moreover I provided XXXX documents from social security  proving XXXX. The XXXX documents indicate that every three years my case will be evaluated, the Social Security Administration does not provide 5 years in their policy, as stated their policy is 3 years. Doctors, at least here in the state of Florida do not get involved with XXXX as I have requested from my XXXX and XXXX XXXX physicians that they provide me a letter stating 5 years for Navient. This is not something they do or are willing to do as it breaches their policy. All that being said, it would appear to me with all my struggles with student loans that Navient likely new of SSA and Physicians policies when they added the 5 year requirement to make it more difficult if not impossible to achieve forgiveness. This is disappointing but sadly not shocking. I have spoken to 2 attorneys, one involving the class action lawsuit that Navient has filed motions to dismiss and the other a bankruptcy attorney. I have been told by both that I would qualify to be included in the class action lawsuit and that the bankruptcy court would in fact dismiss my student loans based on undue hardship. Next will be a civil litigation attorney in the event I have to file bankruptcy to sue for damages requesting Navient pay for attorney fees for Bankruptcy, cost of bankruptcy and punitive damages for damaged credit/credit worthiness, harassment of collection and hardship ( emotional and physical ) I mean you people make borrowers want to XXXX themselves, seriously. So I will request one more time for loan forgiveness via this email ( you have 3 applications, undue burden for me to complete another ) or I will have to seek relief in other fashions. I am XXXX, why is Navient making my life any harder or more miserable than it already is? Furthermore, I request yet again for Navient to provide a true copy of my signed original loan agreement. Please Help!!!!!

Company response to consumer: Closed with explanation