Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received my denied letter for my case with no explanation of why. It would be nice if a reason were provided or if more information was needed. Can I please explain why my case was denied when I met all the criteria for a XXXX case with the XXXX XXXX? I called in and spoke to a Representative and she could not give me an answer either. She asked me to send more general information about my situation. Please see the attached file and my feedback below. While re-reviewing my feedback and case for consideration for XXXX XXXX, please extend my forbearance as well. 

The XXXXXXXX XXXX of XXXX XXXX and XXXX campus advertised to me the percentage of its graduates who obtained employment related to their fields of study within XXXX months of graduation. These advertised rates were shown to be at when I was in their office to be above 80 %. The employment rates were advertised to prospective students on The XXXX XXXX websites and through centrally created and distributed brochures. My Recruiters told me this during in-person campus tours as part of standardized presentations. 

However, The XXXX XXXX records demonstrate that it inflated the advertised employment rates. For example, it counted graduates as employed infield when The XXXX XXXX did not know the graduates job titles or when the job title was unrelated to the degree program. These schools also excluded some graduates with out-of-field jobs because they would have lowered the in-field employment rate. When recalculated to account for these issues, The XXXX XXXX average in-field employment rate dropped from 82 % to no higher than 57 %. The true average rate was lower than 57 % because The XXXX XXXX also falsified its internal data to make the graduates appear to be working in-field when they were not. For example, they used my part-time employment as a placement that I was employed in my field. At the time I was working at XXXX for minimum wage to get by to pay my bills. 

When it comes to XXXX Misrepresentations, the same advertisements were promoted to me by The XXXX XXXX employment rates also displayed the purported average salaries that graduates earned in their in-field positions. The advertised salaries were inaccurate because they were based on the same flawed data as The XXXX XXXX employment rates. They stated I would make XXXX a year in my field which never happened because they never assisted me in placement like they said they would. 

The XXXX XXXX  of XXXX XXXX and XXXX campus represented to me that it had partnerships with employers and offered ongoing career services post-graduation. These representations were made on the schools website, in advertisements distributed to me during tours and admissions interviews, and through oral statements. The campus had a negative reputation in the industry, so companies generally did not want to hire XXXX XXXX graduates when I went out on my own to look for work in my field of study. For example, once I graduated, the school staff did not return my phone calls for help. 

I have yet to work in my field nor had any long-term job that pays well. Since graduating I worked at XXXX, as a valet, and other odd jobs over the years nothing in my field because they frond on my degree at the XXXX XXXX. I have made between minimum wages up to {$15.00} an hour my entire work history with XXXX degrees that have done nothing for me but put me in debt. The XXXX Advisors never helped me like they said they would ; My work history has been attached for proof. 

Again please extend my forbearance while my case is under review for an appeal decision as well as IF ANY additional information is needed, please let me know, and don't just push my case aside. With everything that I have provided, as well as the multiple rulings against The XXXX XXXX in the courts for their misconduct, I don't understand how I do not qualify, please explain.

Company response to consumer: Closed with explanation