Consumer complaint received 03-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX XXXX NC XXXX - XXXX AS in XXXX It started w/ conversations about a job placement percentage rate of something in the XXXX & XXXX jobs w/ much more than I was making XXXX & that going to XXXX would allow me to provide for my children & show them they could do anything because their mother did. They told me repeatedly that they would work w/ my working schedule & that they knew I had children to care for. Lies. Most of my classes let out at least an hour early almost every week. In the next to last quarter of my XXXX I took my XXXX XXXX class. The instructor was horrible & bragged about failing most of his students. I was XXXX of them. I tried to find a way to have my grade reviewed because I knew I should have passed the class but was told it was the teachers discretion who passed & failed. I " needed '' my degree so the school told me I could take that class in addition to my final XXXX ( which included the XXXX XXXX ) class but that I would need to take out a private loan or I could n't graduate on time. Every time we did loan paperwork the financial person would go through the website & show me everywhere I needed to sign, & very quickly. Trying to get answers was a useless endeavor. I took the XXXX classes that quarter & passed my XXXX XXXX re-take w/ flying colors ( different instructor ) & my XXXX XXXX class w/ XXXX ( horrible instructor ). Many times the retake class instructor asked me what I was doing in his class because I had all the answers & scored well on my tests. 
I graduated in XXXX w/ my XXXX & XXXX jobs. XXXX was an XXXX opportunity that I was no where near skilled for. The manager that hired me there said I was a test to see if they wanted to hire from XXXX XXXX. The other was a XXXX. There I was told I was hired because of my customer service experience XXXX & not because of my education. 
I started getting loan collection calls pretty soon after I graduated where I had to inform them I was told I would not have to start repayment until at least 6 mo after graduating they acted surprised & hung up. 6 months from graduating, after telemarketing calls from the school nagging about coming back, that I would start having to pay my student loans I went back for my XXXX. I had XXXX full time jobs, had left XXXX relationship was now the sole provider for my XXXX young children. Scheduling options for classes was the most important thing for me. They said they would work w/ me. They scheduled me for classes on days I could not attend &, after avoiding me repeatedly, told me there were n't other classes I could take on other nights. Through conversations w/ other students in my program I learned of other classes other nights that I could have been in ... I started classes & was forced to drop because I had to work. Not too much after I started my XXXX they decided they were changing the program to XXXX w/ higher credit hours. The classes would be from XXXX to XXXX ( every night? ). If we had to drop a class we were told we would have to enroll in the 'new ' program. I quit XXXX job trying to meet the schools inflexible class schedule & eventually droped out. 
I ran in to a new student XXXX day while smoking on break from class. I knew him from when I was homeless ( he was too ). I ran in to him a few years later & learned that he did n't go to the school for very long. They had sent recruiters to the local mens homeless shelter & promised jobs w/ high pay. I have a friend who used her XXXX XXXX & is still stuck in a low end job. They promised convicts professional jobs. I was told my credits would transfer. When I tried I was all but laughed at by non profit and profit alike They lied to me. Promises of salary & schedule flexibility, that they were " geared towards working families ''. 
Feed the children or pay loans? This was the worst mistake of my life

Company response to consumer: Closed with explanation