Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I should be apart of the settlement class. My loans began eligibility for payment XX/XX/XXXX. I was unable to make a payment because even though I completed all of my course work I was not eligible to become and XXXX XXXX because I was still on probation. The school knew this and told me I would be eligible for my license anyway. I incurred an additional amount of debt that was beyond my ability to afford without a XXXX XXXX My loans qualify for private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, XXXX XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. My first ( 1 ) missed payment was XX/XX/XXXX, then I incurred repayment fees for each signature loan that was issued that were above my cost of attendance and paid directly to me in a check. The excessive repayment fees amounts for the 4 loans were {$180.00}, {$220.00}, {$330.00}, and {$400.00} which were then capitalized to my loan on the same day. The second ( 2 ) consecutive month I was unable to pay the loan was XX/XX/XXXX in which i incurred late fees for each loan, the third ( 3 ) month was XX/XX/XXXX which I incurred late fees, the fourth ( 4 ) month was XX/XX/XXXX and I incurred late fees. The fifth ( 5 ) month was XX/XX/XXXX and I incurred late fees, the sixth ( 6 ) month was XX/XX/XXXX and I incurred late fees, the seventh ( 7 ) consecutive month in non payment was XX/XX/XXXX and then my loans were put in some auto forbearance as to not default the loan since Sallie Mae was moving its servicing to Navient and wanted to inflate the package of loans. I was then again unable to pay the next months until I filed for bankruptcy case number XXXX in the XXXX XXXX XXXX XXXX on XX/XX/XXXX. During this time I was heavily harassed and made to believe my loans were not dischargeable so on XX/XX/XXXX I filed an Adversary hearing XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX against Sallie Mae LoanServicer but it was later dismissed without entry or judgement. My XXXX  XXXX bankruptcy case was Discharged on XX/XX/XXXX. 
These loans should have never been subject to adversary proceedings because the Signature Loans and Tuition Answer loans were deemed by the court to be unsecured debt as they were above the cost of attendance and were issued directly to me and should be treated as any other unsecured debt. I have attached a class action settlement that outlines my eligibility for discharge of my Signature Student Loans and Tuition Answer student loans. The Signature student loan was a subprime loan with interest rates of 13-17 % as well as the Tuition Answer loans at 12-14 % by Sallie Mae and my credit score was less than XXXX at the time and so was my mother who co-signed. Sallie Mae took advantage of me and the XXXX XXXX XXXX XXXX that was aware that I wouldnt be able to obtain a nursing license upon graduation because I was on Federal house arrest. I have shown you that I was in non-payment for more than 7 consecutive months. The qualifications for private loans and the XXXX settlement are The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, betweenXXXX XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX I and my cosigner XXXX XXXX have clearly met this criteria and we should be awarded relief for my predatory private student loans. I have attached a copy of my payment history to show the consecutive missed payments. The non profit school I went to was XXXX XXXX XXXX XXXX and I have attached finding by the courts of their severe predatory behavior. My credit score was XXXX when I originated the loans and my mother who co-signed was XXXX. I have also attached a class action lawsuit that I hold class status and qualify as I filed bankruptcy and these loans should have been discharged in the proceeding. I pray that I have been able to provide adequate documentation of my qualifications regarding the Navient AGI settlement and the class action settlement. 
According to the AIG settlement I fall into Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by XXXX XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX. 
Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a FICO score below XXXX at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a FICO score below 640 at origination to attend a public or a private not-for-profit educational institution.

Although they say I did not qualify because I went to a not for profit school you can see in the order from the court that I do qualify due to the low credit score when loan was originated. 

I would appreciate my loans cancelled and a refund please.

Company response to consumer: Closed with explanation