Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended college at XXXX from XX/XX/XXXX till XX/XX/XXXX with a break in the summer to move XXXX so I could go for my XXXX in XXXX as well. First of all the institute was not forth coming with student loans they told me that I had federal and state grants that covered most of my schooling they did not inform me of how much each private loan was or that I was signing paperwork for a loan which they stated was for receiving my books or equipment for labs. I graduated in XX/XX/XXXX a month before the stock market crashed. I was also laid off in XX/XX/XXXX. I called to consolidate my student loans when I received my first bill and was shocked it was almost {$1000.00} per month and I was unemployed they said due to the economy they were no longer able to consolidate student loans. I asked for help and they just put it in forbearance each time until it was no longer able to go into forbearance. I then asked for low income payment plan they said I did not qualify for that program. I tried to extend my payments for 25 years instead of 10 years to lower my payments and they told me that they could n't do that it needed to be paid off within 10 years. I pleaded with them and asked them would n't they rather me be on a payment plan that I could meet and make payments instead of defaulting on them and they were very nasty and not worried about my hardship. I ended up not being able to make my payments until it went into collections and the payments were XXXX per month instead of XXXX each month. unfortunately I had a family emergency and had to move back XXXX and I was unemployed again and could n't make those payments either. I have not been able to get a job in the career field that I went to XXXX for due to companies laughing at me when I say I graduated from there. Not able to transfer my credits I received from there to another school. Not to mention I received a degree that is worth nothing and having to pay student loans that are extremely high and ca n't start a new career to better myself. The school is now closed thank XXXX no one else will be robbed of their time they ca n't get back and student loans with a creditor that wo n't help you or care about what your going through to the point where your credit score is so damaged and you are not able to do anything with your life. I am so disappointed on both sides the schooling and sallie mae for not helping or caring about their customers, for extremely high interest rates, calls all hours of the day and night weekends and holidays, threatening to sue and take all my income taxes to repay student loans. Because they would not work with me so I could pay by not consolidating, extending, or payment plan for low income I have been hurt with credit score not being able to provide for myself or family. I have had to move back in with my parents not able to buy a car without having extremely high interest rates. I am hurt and feel as I have been robbed of a good career, credit, and score, I have also been harassed and threatened.

Company response to consumer: Closed with explanation