Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I started this loan eighteen years ago to get a degree at XXXX XXXX in XXXX, Arizona. I have not been able to get a head of the loan because the terms originally were created when Navient was Sallie Mae and were nearly impossible to pay off. XXXX XXXX has since closed its doors and has been deemed as a fraudulent school. The times mentioned in the lawsuits that I have attached are the same time frame as when I was a XXXX  at this school. I now have children who are getting ready to attend College and it is hard for me to provide a future for my children while I am still tied down by this loan which was originally created because of promises that XXXX XXXX guaranteed which as the lawsuit mentions was never the case. Thank you for your time. 

XXXX XXXX XXXX I have attached an article from Attorney General XXXX XXXX XXXX 

____________________________________________ Thursday, XX/XX/XXXX XXXX -- Attorney General XXXX XXXX announced today that the Arizona Attorney General 's Office, along with 47 other states and the District of Columbia, reached a multimillion-dollar settlement with XXXX XXXX XXXXXXXX and its related entities ( collectively, XXXX  ) following a five-year investigation by the attorneys general. As part of the settlement, XXXX is agreeing to forgo any and all efforts to collect amounts owed to XXXX by former students residing in the participating states, including more than {$22.00} XXXX for over XXXX eligible Arizonans who attended specific schools ( including online courses ). 

XXXX has agreed to reform its recruiting and enrollment practices and forgo collecting about {$490.00} XXXX in debts owed by XXXX students nationally. 

XXXX is a for-profit education company that operated schools across the country, including multiple campuses in Arizona that are no longer in business. The state attorneys general allege XXXX engaged in a number of unfair and deceptive practices for years, including misleading prospective students about actual costs, the transferability of credits, accreditation, program offerings, and accurate job placement rates. 

The investigation by the attorneys general revealed evidence demonstrating that XXXX : Deceived students about the total costs of enrollment by instructing its admissions representatives to inform prospective students only about the cost per credit hour without disclosing the total number of required credit hours; Misled students about the transferability of credits into XXXX from other institutions and out of XXXX to other institutions by promising on some occasions that credits would transfer ; Misrepresented the potential for students to obtain employment in their field by failing to adequately disclose the fact that certain programs lacked the necessary programmatic accreditation ; and, Deceived prospective students about the rate that graduates of XXXX programs got a job in their field of study, thereby giving prospective students a distorted and inaccurate impression of XXXX graduates employment outcomes. For instance, XXXX inaccurately claimed that its graduates were placed who actually worked only temporarily or who were working in unrelated jobs. 
The debt relief from the settlement will completely eliminate the existing balances held by XXXX for those consumers in either XXXX of the following categories : Students who attended XXXX XXXX UXXXX  or XXXX XXXX XXXX  AND completed their classes before XX/XX/XXXX, OR Students who attended any XXXX school that was closed prior to XX/XX/XXXX, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX and XXXX XXXX 

A list of nationwide XXXX schools is below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation