Consumer complaint received 2024-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I began as a student at XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX, an XXXX XXXX campus from XXXX. Upon touring the campus I met with a representiative who was moving very quickly in rattling off facts about student success rates, graduation job search advantages through the XXXX alumni network, how qualified the professors were etc. I am the first in my family to go to college and upon showing interest they immediately had me in the financial aid office getting me set up with pell grants and federal loans and then telling me that if awarded it still would not be enough so I would most likely need private loans as well. After learning that I was approved for federal loans and grants I took the information back to them and wanted to know what the balance to cover would be. They moved very fast and got me signed up for private loans to cover the balance and told me not to worry about the interest rates because those flucuate ( XXXX of my loans had a 14 % interest rate ). They signed hovered and insisted that in order to get into the fall semester that was coming up becuase the registration due date was approaching that I should do this now to esnure my placement in the school. For the next XXXX years each semester somehow there were balances between all of my loans and the tuition that would require additional private loans. Also, it should be noted, the professors and education provided was subpar at best. After 2 years of feeling like this campus was ripping me off and hearing that my credits would transfer to any accredited school, and absolutely would transfer to another XXXX campus, I made the decesion to look around for other schools. It was at this time that I realized they had lied as almost no other school with the program I was in would accept even half of my credits, so I was pigeonholed into finding another XXXX  campus to transfer to. 
In XXXX I moved to XXXXXXXX XXXX to help take care of some family members and chose this as there was an XXXX  campus in XXXX, XXXX XXXX XXXX XXXX XXXX. I met with the school and learned that several of my credits would not transfer and I would have to retake the courses... this of course requiring more money. Again I was brough into a financial aid/ advisors office and was being fed the lines of how successfull the students who graduate this particular campus are, how they are acredited in my field of study, how they have a robust alumni network etc. Then again, the same pressure to begin in the spring semester as " we are running out of space '' was put on me and I found myself signed up again for more federal and private loans. During my time at this campus several professors had left, many students dropped out, and about XXXX before I was set to graduate was told that there was a balance descprepancy and I owed yet another XXXX but instead of applying for a loan I could just go on a payment plan right there at the campus through their office. I was a server at the time so I lived off from tips and shouldve known something was up when they accepted cash for any installment payment I made at the financial aid office. Upon graduating in spring of XXXX I was so burnt out and disheartend with my education through The XXXX XXXX that I chose to not attend and to have them just mail me my diploma ..... WHICH THEY NEVER DID, ONLY MY TRANSCRIPTS. I have been fighting with them ever since to get a copy of my diploma. 
After graduating my loans were serviced by XXXX XXXX, whos representatives worked with me to keep my payments on hold for as long as possible. After this period I had to start making payments and was quickly overwhelmed as now the reality of the interest rates that I was locked into was hitting me. My initial total in princepal loans had doubled in just my time at the school, and at the rates I was locked in at would continually balloon into something that would cause me to be homeless and every paycheck go to just paying interest alone. Once they sold the loans to XXXX, I was met with several representatives who said there was nothing I could do, there was no option to refinance, there was no income based repayment option that I could qualify for so the only option was to put the loans into forbearance .... And this was the cycle they pulled for months. 
After the lawsuite against XXXX established that they used predatory recruiting and lending tactics I knew that I was absolutely a victim of this and wanted retribution. I filed several application with the Borrowers Defense Fund, XXXX in XXXX, XXXX in XXXX, and XXXX again recently in XXXX after the lawsuit information was made public. My federal loans have been discharged and the XXXX campus and I belive all campus ' closed. I contacted XXXX for the application to have my private loans discharged as a result of the schools predatory methods and was told that " our systems are down today, call back later so we can look into this '' and this happened several times with new excuses everytime ; " we have an influx of applications and are only sending them out to people who qaulify '' " Private student loans can not be discharged '' and now they have been sold off to a company by the name of Mohela that is telling me this is not an option no matter the lawuit or predatory methods the XXXX XXXX used while I was attending.

Company response to consumer: Closed with explanation