Consumer complaint received 2024-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I saw an advertisement for the " Earn While You Learn '' school. I called the school it was XXXX XXXX XXXX. They had a XXXX XXXX training program they claimed would help individuals like me get a good job. However, there was XXXX concern of mine : I didn't have a high school diploma and I didn't speak XXXX. They told me that it wasn't a problem that I would take a test and they would go from there. I " passed '' which is strange because I did not speak XXXX I had to take their XXXX as a Second Language classes, and to this day I require a translator. According to my California XXXX XXXX XXXX paperwork, my loan was to cover XX/XX/XXXX to XX/XX/XXXX. I have paperwork showing that I was enrolled in classes as of XX/XX/XXXX. To the best of my recollection, I remember going to classes in XX/XX/XXXX ; the instructor told us to come back in a few days. However, when we came back to the school everything was gone! The classrooms were locked and the few rooms that were opened were empty. We were told nothing, we didn't know where to get any information. At this point, I had to start working and without my diploma, I could not get paid for the " training '' that I had studied for. Then I started getting the calls and letters to start making payments for the student loan that I had signed. I told them that I couldn't pay for services that were not rendered, I never received my diploma and then I was told that once I started making my payments I would receive my diploma so I started making payments. I never received the diploma and without that diploma, I couldn't get the higher money that I would receive if I had it. I have never been able to afford the payments. I even attempted bankruptcy and received a decision on XX/XX/XXXX to remove the student loan. It was only recently that I found the news article in the LA XXXX published on XX/XX/XXXX ( https : XXXX ). The school was already warned against getting student loans for students because the school had a high amount of students who were defaulting! The XXXX already knew that students could not pay back the loans that the school was pulling for these students. Other individuals had been going to the XXXX XXXX on XX/XX/XXXX attempting to get school records or start their classes and the campus was already closed. The same story, people trying to get information, and the school was already gone. Navient has claimed that the school officially closed on XX/XX/XXXX but that's just not true as proven by the LA XXXX XXXX. Navient has been the servicer for this loan for at least a decade now and they did not approve any type of low payment due to finances even when I was on XXXX due to a work injury twice. 
When the XXXX administration was trying to remove Student Loan Debt, I tried to apply for Student Loan forgiveness but was told that because my loans were under Navient I did not qualify for either the XXXX or XXXX plans because my plans were private. These days if a XXXX school closes on students within XXXX months of that student 's last date of attendance the loan is made null and void.

Company response to consumer: Closed with explanation