Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: When I was a young XXXX. Sorry, I grew up in the XXXX so my learning curve was a bit higher than those with access to a normal environment, transportation, clothing, school supplies, etc. 
I was n't taught much about college where I grew up. I joined the XXXX when I was XXXX. I realized when I was XXXX that I could actually go to college and growing up less fortunate and in poverty does n't exclude you from college. That was about all I knew. I was still learning how to maintain my finances and everything else adult like. 
When I started looking for colleges I did n't know much about accreditations, etc. I ended up signing up for an expensive school that was for profit. They did their best to push loan after loan on me, then eventually hit me with the, " You ca n't afford school anymore and ca n't get more loans. Can you ask a family member? '' I asked my brother to cosign for me ONLY so I could continue with my schooling to hopefully make something of myself someday. Well years later my interest rates have gone from 1 % to about 9 % and I am in and out of school so these loans hit my credit whenever I am out for a month or more. Each time they drop my credit score drastically, which I am trying to fix ( post bankruptcy ). So this kills my chances of ever being a contributor to my economy, it prevents me from EVER being a homeowner. I ca n't afford to pay the loans as I have more than one, plus I was trying to finish school before paying them off. With my interest going up 8+ % it makes even harder to pay. If I could get my credit up I could refinance and or consolidate, but at this rate I will never be a homeowner. School is meant to be a precursor to the American dream, but our country has turned it into the American Nightmare. 
Granted, I could do better with my finances, but school payments come and go as I am in and out of school. 

My main issue is, why is something that is supposed to go towards improving your life, so often making my life far more difficult. I have been close to having a high enough credit to purchase a home, then school loans hit me. These CAN NOT be claimed on bankruptcy, they are n't good rates anymore. WHY CAN THEY AFFECT MY CREDIT SCORES? They do n't help my credit scores if I pay, but they can sure XXXX hurt them. This does not only apply to me, but also to my brother who was unlucky enough to co-sign for me. 
Our credit system is not in place to help the consumer, it is ONLY in place to help businesses and its complete and utter garbage. If you could fix our credit system and student loans the country would be better off. I am still waiting for something to be pushed through congress to claim school loans on bankruptcy because this is XXXX! My life is being made harder by going through college. 


Please stop allowing school loans to detriment my credit scores. It makes me want to never pay them as what is the benefit if they keep me from purchasing a house my whole XXXX life! And I am expected to pay them for 30 years at affordable rates?!!!!?!??!?!?! 

Please stop allowing school loans to hurt co-signers.

Company response to consumer: Closed with explanation