Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX, at XXXX XXXX XXXX, I enrolled at XXXX XXXX XXXX XXXX XXXX XXXX after being aggressively recruited. I had applied to both XXXX XXXX XXXX XXXX XXXX, but XXXX XXXX XXXXXXXX responded almost immediately, claiming I had been accepted and needed to enroll as soon as possible. 

I was pressured to attend orientation immediately and sign student loans on the spot. The admissions representatives rushed me, saying that space was limited, and that I had to secure my loans immediately to hold my spot. They framed Sallie Mae/Navient loans as the only option, misleading me into believing : If I didnt enroll, I might lose my ability to get student loans in the future. 
If I left the program, I would never qualify for financial aid anywhere else. 
The degree would guarantee a high-paying job that would easily allow me to pay off the debt. 

Every XXXX months, I was required to sign new loans without explanation, and as I progressed, interest rates increased. The financial aid office coached me on what to say on loan applications to maximize approval, even suggesting I lie about my living situation to qualify for more aid. 

False Promises of Career Placement & Earnings XXXX XXXX XXXX misled me into believing that graduates secured high-paying industry jobs. They claimed : Their degrees were highly regarded by top employers. 
Their faculty had exclusive connections in the entertainment and fashion industry. 
Graduates were making over $ XXXX and had guaranteed job placement. 

In orientation, they showcased successful graduates and said that as long as I graduated, I would easily find a job to cover my loan payments. 

However, after graduating in XXXX, I never received career assistance. The only job placement they provided was an unpaid internship or a retail job at XXXX XXXXcompletely unrelated to my degree. 

I contacted faculty and career services for help, and I was told to go to XXXX XXXX and ask to clean up their costume warehouse for free in hopes that I might XXXX day get an opportunity. That was their industry connection. 

Loan Repayment Hardship & Navient 's Deceptive Practices After graduating, I was left with XXXX individual private Sallie Mae/Navient loans , totaling approximately {$100000.00}. My payments started at {$630.00} per month, which I paid on time until XXXX, when I had to request deferment due to financial hardship. 

Navients Deceptive & Unfair Practices 1. Refused to Provide Written Communication Navient only handled issues over the phone and refused to send written documentation via mail or email. 
They claimed calls were recorded but later denied having any records when I requested proof. 

XXXX. Gave Me the Runaround on Loan Forgiveness I repeatedly requested the Navient School Misconduct Application for Loan Forgiveness. 
First, I was told it would be emailedit never arrived. 
Then, I was told they could only send a physical copybut when it arrived, only part of it printed correctly. 
Each time I called, I was told something different and never received the full form. 

XXXX. Denied Income-Based Repayment & Pressured Me to Get a Second Job When I explained my financial hardship and inability to afford {$1100.00} {$1200.00} monthly payments, I was told : - " You dont qualify for income-based repayment. '' - " There are no other options. '' - " What are you going to do about it? '' When I asked about making smaller payments, they refused, saying : - " We will document your account that you will be getting a second job to afford your payments. '' A representative even gave me an " uplifting speech '' about how I could figure out a way to afford itignoring my financial reality. 

XXXX. Loan Consolidation Was Used Against Me My ex-husband helped me consolidate my loans to lower the payments, but this only slightly reduced the amount. 
When I asked to remove my co-signer, Navient refused unless I made a full year of on-time payments, which was impossible at the amount they demanded. 


XXXX. Denied Loan Forgiveness Because I Was Current on Payments In XXXX, Navient transferred my loans from Sallie Mae and began offering loan forgiveness programs. 
I was denied because I had been making payments. A Navient representative laughed when I offered a lump sum to settle, saying, " Why would we do that? Youre current. '' XXXX. Transferred My Loan to XXXX Without Consent My loan was later sold to XXXX without notice, making it even harder to get assistance. 
XXXX is now denying me the ability to dispute or seek loan forgiveness, even though my loans were the result of deceptive lending. 

How This Has Affected Me I am burdened with over {$100000.00} in private student loan debt with no way out. 
My career opportunities were never what they promised, and I never received job placement assistance. 
I have faced years of financial hardship, deferments, and rising interest rates. 
My credit and financial stability have been permanently damaged. 
I was pressured into taking on more loans than I could afford, with no viable repayment solutions. 

What I Am Requesting My private loans should be discharged or significantly reduced due to : - Fraudulent recruitment and financial aid practices by XXXX XXXX XXXXXXXX. 
- Deceptive loan servicing by Navient. 
- The governments recognition XXXX XXXX XXXX students were misled, as evidenced by federal loan discharges. 

If discharge is not possible, I request : - A complete review of my account history and how my loans were transferred. 
- An affordable repayment solution that considers my financial reality. 

I have detailed loan statements, payment history, and supporting documents proving this financial harm.

Company response to consumer: Closed with explanation