Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
YOUR COMPLAINT From XX/XX/XXXX thru XX/XX/XXXX I attended XXXX XXXX XXXX in XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Right before XXXX the area news was there and students were protesting about allegations of accreditation and lending issues. Me and other classmates were worried so we asked teachers and principal about what's going on and they told us that it's nothing we should worry about and that we are fine. We were weeks before XXXX and red flags was starting already. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. A couple months later the school had completely closed. Next thing you know I was getting contacted by law offices asking did I want to join multi class suits with other students. I consulted with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX guaranteed job placement after XXXX and I heard nothing from them at all after XXXX. So after being unemployed for months I had to contact Sallie Mae about forbearance but that only lasted for a short period of time. Next thing you know Sallie Mae gave our loans to Navient school loans. By then the loans were collecting interest because XXXX XXXX had me to sign for a subsidized, unsubsidized, private loans totaling about {$24000.00} at the time. I was continuously was searching for employment but could find anything in my field. I was XXXX XXXX XXXX with a XXXX XXXX daughter and starting suffering major financial hardships. I kept up with necessary paperwork for loan providers. I found a job but it was paying a little over minimum wage at the time. I could barely pay rent or anything due to being unemployed for so long after XXXX. So in XXXX my child and I relocated to XXXXXXXX with my mom and stepdad. By then the interest accrued so bad I had to get my loans consolidated not knowing that it made my loans reached almost {$55000.00}. I was still being contacted by Navient to pay loans and redo payment plan. After years of doing forbearance Navient finally offered income contingent plan for repayment. 
Since I had low income I didn't have to pay anything until I made moderate income to even pay. I constantly was contacting the school and Attorney General XXXX XXXX about help with school loans discharged but they still had a ongoing case and it was summer XXXX and it was almost time to redo payment plan papers again. XXXX XXXX hit and I redid my in XXXXXXXX payment plan again. XX/XX/XXXX I filed my taxes not knowing anything at all about my file was placement for default through the Department of Education at all. Then while waiting on taxes I get a letter from them saying I'm in default and my entire income tax of {$9700.00} was sent to Department of Education for loans. 
Then I was sent a letter from Navient that I was going through garnishment of wages because the income contingent papers I had sent wasn't finished because it was missing a signature. 
Navient failed to even help or notify me of default or garnishment at all. My credit then dropped from about XXXX to negative XXXX. I was devastated completely. I had to contact XXXXXXXX XXXX and pay them for credit repair for a year. Then also make on time payment for a year through Navient to get out of default. Spring XXXX approached and I made it out of default and credit went up but I was still struggling living with my parents. I kept trying to contact Attorney general in XXXX but they sent a paper saying to explain my situation. It is now XX/XX/XXXX. My life has been traumatized by debt collector from school loans, credit being bad reported, and having severe financial hardships. My loans were recently placed with XXXX XXXX and I applied for Borrowers Discharge in XXXX but I'm still held to a repayment agreement through them. I recently found out that XXXX XXXX, SALLIE MAE, NAVIENT LAWSUIT WAS FOUND GUILTY OF PREDATORY LENDING, OVERCHARGING STUDENTS, AND ACCREDITATION ISSUES. ALSO DISCHARGE OF LOANS, RESTITUTION, AND CREDIT REPORTING WAS GIVING OUT BUT IM CURRENTLY STILL IN THE POSITION. I HAVE CONTACTED BUSINESS FOR HELP LIKE XXXXXXXX XXXX FOR HELP. THEY SAID IM NOT IN THE SYSTEM AND I NEED TO SEND TRANSCRIPTS. I SERIOUSLY NEED ASSISTANCE WITH THIS MATTER BECAUSE MY LIFE, FINANCES, MENTAL HEALTH HAS BEEN TRAUMATIZED OVER TRYING TO BETTER MYSELF BY ATTENDING COLLEGE IN THE FIRST PLACE. THIS SITUATION HAS BEEN ONGOING SINCE XX/XX/XXXX. Please help me navigate getting this situation discharged and help with getting the money back I paid them.

Company response to consumer: Closed with explanation