Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am writing to formally dispute the validity and collectability of the alleged private student loan debts from Navient. I also request full debt validation as provided under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

These loans were for my attendance at XXXX XXXX and were issued under Navient 's XXXX XXXX and XXXX XXXX XXXX programs. I filed for XXXX  XXXX Bankruptcy in XXXX in the XXXX XXXX XXXX Illinois, case number XXXX, and received a discharge on [ XXXX. I request that Navient immediately cease all collection activity and provide the following documentation : Notably, XXXX XXXX XXXX  Loan was already approved for discharge through Borrower Defense, and my federal student loans used to attend XXXX XXXX were fully forgiven under the Sweet v. Cardona class action due to proven misconduct and fraud by the institution. This indicates that the school engaged in deceptive practices that directly impacted both loans. 

Given that, the associated private loansparticularly XXXX XXXX XXXX XXXXshould be considered part of the same fraudulent context and may not qualify as " qualified education loans '' under 11 U.S.C. 523 ( a ) ( 8 ). Therefore, they may have been discharged through my XXXX  bankruptcy or may be unenforceable under related consumer protection principles.

XXXX XXXX XXXX XXXX  were not used for qualified education expenses. Instead, they were used for living expenses, which were encouraged through Navients own marketing materials. I still have promotional material from that period which advertised XXXX XXXX XXXX XXXX as usable for living expenses. These materials show that Navient marketed the loans in ways that clearly misrepresented their educational purpose. 

I am requesting the following docmentation : A complete payment history and current balance breakdown for both loans. 
A copy of the original promissory notes. 
Documentation proving these were qualified education loans under 26 U.S.C. 221 ( d ), including : - Cost of attendance at XXXX XXXX during the loan periods- Evidence that the loans did not exceed this amount - School certification for each loan Accreditation status of XXXX XXXX at the time the loans were disbursed. 
Proof that the loans are non-dischargeable under 11 U.S.C. 523 ( a ) ( 8 ), despite the bankruptcy filing and related fraud findings. 
Important Legal Notes : - XXXX XXXX XXXX XXXX has already been acknowledged by Navient as eligible for Borrower Defense discharge. 
- My federal loans for XXXX XXXX were fully discharged under the Sweet v. Cardona class action, based on school misconduct. 
XXXX XXXX XXXX XXXX  and similar private loans have been found in recent court rulings to be dischargeable in bankruptcy if they were not qualified education loans or were associated with fraudulent institutions. 
- Continued attempts to collect on discharged or unenforceable debts may violate the discharge injunction under 11 U.S.C. 524 ( a ). 

Given this, I request immediate investigation into the dischargeability and collectability of both the XXXX XXXX and XXXX XXXX XXXX. This situation is causing me ongoing financial and emotional distress. 
I believe the remaining loans should be fully discharged based on one or more of the following : They were non-qualified education loans used for living expenses They were listed in my XXXX  bankruptcy filing Navients misrepresentation of the loans ' use Inconsistent treatment compared to the XXXX XXXX loan, which was discharged. 
Unless Navient can provide full documentation and proof that these loans are collectible and non-dischargeable, I demand that Navient cease all collection efforts, remove any negative credit reporting, and acknowledge the discharge. I am also demanding a full refund including interest of all payments after the XXXX  discharge.

Company response to consumer: Closed with explanation