Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX College XXXX, I majored in XXXX, and graduated in XXXX. The purpose of this communication is to explain my specific situation and see if there is anything that can be done for myself or our group as a whole. 
As a group, we have a XXXX group that was started in order to get everyone in one place and see what we can do to save ourselves. This XXXX group has more than quadrupled in size since XXXX XXXX and now has a membership of XXXX people from all over the country with the similar stories of those who can not pay their school loans, ruining their credit, and their ability to take out loans for cars or homes. 
Here is my personal story : I moved to XXXX in XXXX. I decided to go to XXXX College to get my core classes in XXXX XXXX because the things you would learn would be lessons that could help you anywhere in your career path. Especially for someone who might run their own art business someday. When we visited the school my parents and I made it very clear that this was meant to be a stepping stone, I specifically remember telling them I wanted to go to XXXX College or XXXX University afterwards to finish my XXXX XXXX and they said that would n't be a problem. 
I received extensive financial aid for my schooling and had to include a stipend for living expenses with it because XXXX did not have XXXX. I attended and graduated in the allotted 18 month time frame. I knew something was a little off with the schooling because I had always been a XXXX student my whole life but graduated on the XXXX list and was one of the top students of my graduating class. 
I am one of the more lucky stories that I 've read on the XXXX group, I was able to get a job with a company that owns/operates parking garages around the city for my internships. I procured the job on my own without any help from the school. I also was able to XXXX at this job and was promoted quickly, none of which was thanks to XXXX. Now that I 'm older, I am able to have the XXXX that I did all of my growth on my own. Sure there were a few things I learned that were helpful, like XXXX XXXX, but these were things I could have taken a weekend/night course at on my own for {$200.00} and had it under my belt. I have gotten nowhere thanks to XXXX, only thanks to myself. I have been working in the parking industry for 10 years. I do own a home with my husband and we both have car loans, and we are able to pay our bills ( school loans included ) each month, but do n't have much to spare after that. The part where we suffer is that we 've put off having a family for fear of not making ends meet. 
The circumstances of my situation came to light was when I started looking into attending night classes to finally finish my XXXX before my husband and I decided to start a family and was hit the harsh reality that nowhere will take my credits. Not even the local XXXX college will take them. In order to further my career I need to have that degree, so I am faced with a dilemma : to start completely over from the beginning with only the few credits from the art school that will transfer, go to another for profit that will take them, or just give up and figure this is the level I will be at and I would have to find another way to advance myself ( which is a sad but very real thought I have often ). 
There was also a similar story with another college called XXXX College where the group won and they are now in the process of receiving loan forgiveness. If you are unable to help, I would greatly appreciate a recommendation or referral to someone else who may be interested or willing to help. This could change many people 's lives. 
Additional Information : XXXX Group Name : " XXXX ''

Company response to consumer: Closed with explanation