Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: AR

Complaint narrative:
I have XXXX  student loans with Sallie Mae. My repayment started in XXXX of XXXX. I was laid off from my job on XX/XX/XXXX and I applied for unemployment. I was only receiving {$160.00} per week for unemployment, which I had to use to pay my car payment, health insurance, rent, car insurance, credit card payment, and my student loans. I spoke with multiple different employees of Sallie Mae and my Cosigner did as well, each employee informed us that there were no programs that could stop my payments until I found a new job that could provide enough money for me to pay for all of my expenses. My Cosigner was unable to assist me, because he had unexpected health issues, which led to him having XXXX XXXX This was explained to them, but they still stated that there were no programs that could stop payments for even just a few weeks. This was an extremely difficult time for me financially and I absolutely could not pay the {$500.00} a month for my student loans, so my balance became delinquent. When I would receive extra money that I could put towards my balance, I did every single time. The entire time my balance has been delinquent, Sallie Mae has called my Cosigner and myself 15 times or more each week ( which I have kept track of ). I have spoken with multiple different employees of Sallie Mae regarding my account and each of them have told me completely different information. I have absolutely no idea how to handle my loans anymore, because I never receive the same information from each employee. One particular employee had all of my personal and Cosigner information incorrect, this employee kept me on the phone for over an hour and did not provide any assistance that I had asked for ( which was to tell me how long I had until my loans would default ). 
My Cosigner and I finally mailed two written letters to Sallie Mae on XX/XX/XXXX demanding they stop phone communication with both of us and that all communication should be via mail. 
Sallie Mae has called me two times since this letter was received by them and the phone calls have not been regarding any lawsuits or default. Since XXXX, I have paid my monthly payment on my loans on time, I have even paid XXXX XXXX {$500.00} over my monthly payment just to try and decrease my delinquent balance ... but, somehow my delinquent balance continues to increase. 
I am beyond exhausted and disgusted with my experience with Sallie Mae, I have never felt so helpless and lost before. I have absolutely no idea how to resolve my issues with Sallie Mae, because I can not get information from the employees that I can trust. I have started consulting with lawyers to aid me in this process, because I am concerned that Sallie Mae is not handling things ethically and I believe that there are too many mistakes that are being made and are not being resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation