Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX school in XXXX, OR at XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. We moved everything we owned about XXXX miles away. I remember going into the administrations office because everything was suppose to be cleared and a-okay. ( If it was n't ... why would we have spent so much time and money moving our belongings, lives, and pets from XXXX to XXXX? That would be crazy. ) Anyways, I went to the admissions office to take care of some last minute details the week or two before school started and they now had information for me that I am not qualified with out a co-signer. At that time the ONLY person I could find who could and would co-sign for me was a customer at the XXXX I was leaving to go to XXXX school. It sucks because I have made timely payments. It has been ten years since i decided to go to school. This old customer of mine and I do n't live in the same state or speak. He has a family and sure would like this off his shoulders entirely but there is nothing they will do about it. 

As far as my federal loans go ... forget trying to understand or even attempt to pay those. I have been in forbearance since I can remember. We were all told we would get these amazing jobs and make a sufficient amount of money each year. They failed to tell you you 're basically a glorified minimum wage worker if you 're not going to commit to living in resort or heavily populated areas where there is demand for artistic ability. 

Honestly, I look at my account and I do n't know whats deferred or not deferred. I stopped trying to understand things a long time ago because the XXXX and XXXX it causes me is unmanageable. Between thinking " I cant afford this, how will I ever be able to afford this?, I 'll never be able to afford this, I 'll be in a continuous growing debt for the rest of my life, I have no bright future left ahead of me, if I could catch a break I would totally pay this off to get it off my chest, I 'm doomed, I 'll never have good credit because it is destroyed due to my student loans, I 'll never be able to own a nice car or home, I wish this would go away!! '' I am looking at my account and it reads : Loan Due Date Amount Status Auto Pay Show more information XXXX Stafford - Subsidized XX/XX/XXXX {$100.00} Payment Due Show more information XXXX Stafford - Subsidized XX/XX/XXXX {$0.00} No Payment Due Show more information XXXX Stafford - Unsubsidized XX/XX/XXXX {$0.00} No Payment Due Show more information XXXX Signature Student XX/XX/XXXX {$210.00} Payment Due Alert PAST DUE XX/XX/XXXX {$16000.00} You may have been charged a late fee. 
Show more information XXXX Signature Student XX/XX/XXXX {$160.00} Payment Due Total Current Balance : {$58000.00} How can I ever pay this with a job XXXX that pays an average of $ XXXX- $ XXXX/hour with no benefits, housing, meals, or transportation? I have had to take a different path altogether and am still drowning. Before I went to culinary school I made every payment I had on time, I paid someone to clean my house once a week while I worked, I could afford new clothes ( I have n't bought new clothes for myself that were n't hand me downs given to me since XX/XX/XXXX ), I had great credit, I could afford vacations and little small joys in life. Life has royally sucked since XXXX school. I wish I could get my finances in order!! My poor XXXX friend XXXX got to go for three months, his financial aid got denied so they would n't let him go past the three months. He still owes the full amount it cost us all to go. Poor guy. THAT 'S XXXX. I just want life to be comfortable and not stressful again. 

Sincerely, Life Should Be Good

Company response to consumer: Closed with explanation