Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I went to the XXXX XXXXXXXX XXXX XXXXXXXX from XXXX XXXX to XXXX XXXX. During my time at there the school mislead me into believing that I would get help finding a good job right out of college and they would assist me within their career services. Years had gone by and I had been doing my best to make payments in ways that would keep me current within the budget that I had available. From the beginning, I had been paying private loans out of pocket to XXXX XXXX, which then turned to Navient, which is now serviced by XXXX. I had told Navient around XXXX  years ago that I had gone to the XXXX XXXX which had shut down, I did not receive help finding a job, and that I had dealt with the same shady tactics that majority of students had endured like them making me set up a payment plan out of pocket near the end of my term because they said my loans did not make up for the tuition cost. If I did not set up a payment plan, then I would not get my diploma or graduate after the years I had invested into the degree. So I paid it. As of XXXX, my federal loans have already been XXXX through XXXX, which was made possible due to the XXXX XXXX being sued for misleading many students, similar to my own experience. I contacted XXXX and asked them what I could do to get my private loans XXXX because I went to the XXXX XXXX XXXX XXXX and my federal loans had been XXXX. They told me that I had to file a discharge application in order to be approved. The first XXXX times I filled out the questions based upon what they had asked. The questionnaire was very redundant and asked the same questions multiple times. The third and last time that I filled out the paperwork, I was more descriptive and thorough in answering the questions, and also provided what information I could on why the XXXX XXXX was being sued in the first place and why the alumni/students were getting their loans XXXX. The last response that I received from XXXX XXXX, who works with XXXX, said in her email that my private loans are not eligible for discharge, even though my federal loans have already been taken care of. She says that since my loans did not go into default that my loans are not eligible. I find it to be ridiculous that my credit would have to be destroyed worse than it already was for my private loans to be acknowledged as being qualified under discharge from the XXXX XXXX. I have gone through hoops for the past XXXX  years trying to get quality information from my servicers. No one has the correct answers as to what is needed for my private loans to be seen as taken out from a college that has been sued/shut down. I have already sent all of this information into this system with XXXX being targeted, now I need for the main loan servicer to be targeted. Navient has given my private loans to XXXX for them to act as a middle man instead of having to contact me instead. I asked to be applied for discharge sometime last year before my loans were given to XXXX but I had not recieved reason why or informed of a status on my loans.

Company response to consumer: Closed with explanation