Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
Hello, I am not sure if it is too late to inquire about my school misconduct private loan discharge application from Navient. I was denied and my school ( The art institute ) was forgiven by the government for federal loans, I am not sure why my application was denied ( without asking me any clarification, other information or details ) to forgive my private loans. 

I barely worked in the graphic design or art industry pertaining to the degree. I never made what they said I was going to make per hour at either job that I had held. When I worked at the winery in XXXX, my friends made more at XXXX XXXX and I was confused because I had spent so much time and money on this degree. I made {$9.00} an hour and I remember my friends with no degree were making more. I worked as a graphic designer at a winery for 6 months and then a newspaper where I got laid off, both back in XXXX. I fluffed my resume with freelance jobs made for family members and showcasing my art on XXXX and XXXX. It actually ruined my relationship with my father to apply for jobs over and over to have nothing to show for it. The competition in the art field was very steep and the XXXX jobs I had, I still lived at home because I could not support myself. 

I tried to go back to XXXX XXXX XXXX to earn a XXXX XXXX in XXXX and they would not accept most of the credits that I had earned in the very same building, with the same teachers. I believe they accepted approximately a semesters worth of credits towards a XXXX XXXX. It was devastating. I ended up leaving after XXXX semester, XXXX XXXX was trying to get me for another $ XXXX. Destitute, penniless, and frustrated, I had no other options of what I could do. I had to start over at XXXX, no college would touch the credits earned at an XXXX XXXX college. 

I had applied through XXXX personal loan school misconduct application form and was swiftly denied. I saw on XXXX that other people were approved and many people talking, the decisions for denial or approval seemed arbitrary. My school, The XXXX XXXX, put me in poverty for years. Navient can see my payment history with their company and my payments were always late because I have lived pay check to pay check working retail and customer service jobs. I explained as much as I could on their application. In the first XXXX pages of instructions, it said that if they needed more information they would ask me for it. 

I was never asked to provide any other information, if they wanted copies of my taxes or pay stubs etc I would have gladly found a way to get them. I only sent what I had immediately on hand and thought that the Department XXXX XXXX statements plus my federal loans serviced through Navient being forgiven would be enough to supplement what I was writing in the application. I did not keep my papers from enrollment at the school, I looked through my documents and they are all gone. Other than what I already sent with the application and the governments findings that the school committed fraud, that should have been enough to approve. Navient then sold my loans to XXXX in XXXX, so that I could not reapply for their forgiveness program.

Company response to consumer: Closed with explanation