Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient began harassing me for payment on my student loans XX/XX/XXXX after I attended XXXX University. I was unemployed without a degree, as struggles during the Recession prevented me from finishing school. I paid as much as I could, and on multiple occasions they took money from my bank account without permission. Then they went after my credit score, and soon it was so low I could not get a job at all. I neglected basic needs, including rent and medical procedures, for years to keep Navient from enacting the consequences they consistently threatened. They called me XXXX times a day, but failed to provide any helpful information to improve my situation. 

When I was finally able to finish school through other forms of aid, Navient refused to fill out important paperwork and it nearly cost me my degree, but miraculous circumstances allowed me to finish despite their interference. I was then able to find full time work, but still depended on welfare. Consistent income allowed me to enter into a payment plan with Navient, but after a year I noticed my balance was the same. Navient refused to explain this discrepancy, send statements or take my low income into account. They also adjusted my balance history several times without notifying me. 

This prompted me to take action, and I spent months researching my history with Navient and creating spreadsheets to calculate what they had done to me. I discovered that what they were reporting to the IRS was inaccurate, they had failed to disclose vital terms of programs I had entered, and other despicable practices specifically designed to perpetually keep me in debt. I had borrowed {$33000.00} and paid off over {$10000.00} but my debt had still grown to {$48000.00} in a just a few years. It was at this time that Navient raised my payment from {$330.00} a month ( XXXX my income XXXX to nearly {$600.00} without explanation. 

In analyzing my circumstances, I discovered that my life was never going to be stable if I continued to make increasing payments to Navient, but I had a decent shot if I reduced my payments began to save and take care of myself. I notified Navient that I would be paying them {$90.00} a month until my circumstances improved, and they continued to raise the payment and attack my credit score, dropping it over XXXX points in just a few months. They also adjust my delinquency time and amount to whatever benefits them the most, but deny this when confronted. I 've documented every single phone call, and they consistently refuse to help me. I 've been told on multiple occasions to stop calling because I am a waste of their time. They continue to harass, and have sold my information to marketers despite my legal demand that they do not. 

I 'm facing my responsibility, but am now beyond the scope of advice the financial advisors I 've consulted can offer, but they could agree that paying Navient less would be a wise decision. In the last XXXX months of this, I 've become stable, healthy and financial sound for the first time in my life. This has not affected my loans held by the Department of Education, as they have been in good standing for years and are set to be eliminated in XXXX years through XXXX XXXX Loan Forgiveness. It is amazing the difference a cooperative lender can make, and how Navient can use the same circumstances to completely ruin a life. I do not know what else to do. XX/XX/XXXX I filed a complaint with the CFPB that Navient immediately dismissed. Currently, I am days away from defaulting on {$50000.00} in loans.

Company response to consumer: Closed with explanation