Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I attended XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. A college that is well known for its fraudulent practices, misleading information and lies. XXXX XXXX stated that they had job placement rates of 97 % or higher, that their graduates would start off making {$50000.00} or more, and that they were fully accredited so finding a job in the law enforcement field would be no problem. The truth is that their job placement rates only estimated about 55 % and they were only nationally accredited through XXXX which meant getting a job in the law enforcement field in investigations was extremely difficult since most positions required a degree from a regionally accredited college. Between XXXX XXXX XXXX transitioned to be accredited by XXXX who ended up being terminated by the U.S. Department of Education as being an accrediting agency. Due to the fraudulent practices, misleading information and lies of XXXX XXXX, the U.S. Department of Education discharged my federal student loans. In XXXX I learned that I could apply for the school misconduct discharge through my servicer Navient in order to discharge my private student loans. I contacted Navient and received the school misconduct discharge application on XX/XX/XXXX. I completed the application and submitted it on XX/XX/XXXX. On XX/XX/XXXX I received a response that stated I was denied the discharge. In the response they did not provide a reason for the denial, just that I did not meet the requirements. I sent Navient an email asking for the reason of why/how I did not qualify and they stated in the response " Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. '' I believe it is wrong to deny by school misconduct discharge application and not give me a reason. I went back through the application and added as much information as I could. There isn't a lot of documentation that I still have since it has been 15 years since I attended XXXX XXXX. I submitted my second application on XX/XX/XXXX and received my response on XX/XX/XXXX stating that I was denied again. This time they stated it was due to insufficient alleged misconduct and/or narrative explanation of alleged misconduct, supporting evidence of alleged misconduct, alleged harm and/or narrative explanation of alleged harm, supporting evidence of alleged harm, evidence that alleged misconduct caused alleged harm, along with length of time since the alleged misconduct occurred and length of time since I became aware of the alleged misconduct. I uploaded and attached everything that I had in regards to my attendance at XXXX XXXX and I gave detailed explanations in my application. This misconduct happened 15 years ago and I was not aware that I could apply for discharge of my private student loans until I learned about the matter last year. Navient did not make it well known that this was even an option. XXXX XXXX is well known for their deceptive and misleading practices and the misrepresentation of job prospects, the transferability of credits, and the overall value of its programs to prospective students. People who attended XXXX XXXX, including myself, are left with a piece of paper that has no credibility and still having to pay for a degree that is worthless. The federal government recognized this misconduct and XXXX all federal student loans and Navient should do the same rather than preying on students by taking their money for a degree that is worthless.

Company response to consumer: Closed with explanation