Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient Solutions LLC. has been sued Mutiple times over illegal student loan and repayment practices for years! Each and every time this company settles out of court to relieve a portion of the students it has scammed, lied to, misled. The latest lawsuit settled out of court involved the illegal practice of asking students who had filed bankruptcy to continue to pay on " certain '' private loans that should have been discharged leaving out thousands of students who also filed bankruptcy in the past whose loans were not part of this settlement including mine. I filed for bankruptcy twice. My first bankruptcy was due to not being able to pay my private or federal loans. I had to file again, due to Navient 's predatory practices. 

In XXXX of this year ( XXXX ), I was sent notice by the Department of Education that my Borrower Defense to Repayment application had been approved and that my Federal Student Loans were being discharged because the school I attended, XXXX XXXX, misled students by lying about certain graduation rates and job placement to in order to boost enrollment. My federal student loans were officially discharged XX/XX/XXXX of this year. I owe {$0.00} of the {$970000.00} I owed at the time. Since that time, I asked that my second my bankruptcy case be discharged since I no longer had this loan outstanding. I attended XXXX XXXX  between XXXX. 

In XXXX  Navient settled a lawsuit by the CFPB and 39 state AG 's. 

" The state attorneys general claimed that Navient steered federal student loan borrowers into forbearance rather than directing them to enroll in low-cost repayment plans. As a result, some of these borrowers fell deeper into debt as interest accrued. 
The lawsuit also alleges that Navient made private loans to students attending for-profit schools and colleges with low graduation rates, even though it knew that a high percentage of those borrowers would be unable to repay the loans Furthermore, the settlement outlined these guidelines as to who saw relief for their predatory loans. 

" Only private student loans issued by Navient or its predecessor company, XXXX XXXX, are eligible. 
Borrowers must have attended certain for-profit educational institutions such as Corinthian schools, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX and others. 
The loans must have been disbursed between XXXX  and XXXXXXXX XXXXXXXXBorrowers must have been behind on payments for at least seven months before XX/XX/XXXX, XXXX In most cases, only loans that are still collectible or being reported to credit bureaus as of XX/XX/XXXXXXXX  are eligible Borrowers must live in states covered by the settlement. That includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I and thousands of others met all of the above criteria except for being behind 7 months or more because I was in bankruptcy which put my loans in forbearance. Allowing Navient to only settle a small portion student who were scammed into taking out these predatory loans to these predatory " for profit '' schools was not given any relief. 

It was reported that Navient was a " preferred '' private student loan provider for XXXX and other " for profit '' schools. 

This is only two of the half dozen lawsuits that Navient has and will face. What do the rest of the students who keep getting left out of all these lawsuits have to do to get relief from this predatory company! 

I was given these loans to attend XXXX XXXX  in XXXX. The original amount was {$40000.00} in one year! That was on top of my Federal Loans I took out. Why did Navient give out so much money in one year! PREDATORY STUDENT LOANS! The amount I am being asked to pay has ballooned to over {$72000.00}. Was this money more than the amount of tuition for one year to attend XXXX on top of what the Department of Education loans were? I think so! 

When will Navient finally have to account for the rest of us who were given predatory loans during all these lawsuit times?! 

People who filed Borrow Defense to Repayment Claims of Federal Loans due to being scammed by their schools should also get the same relief of private loans given to attend these predatory schools, especially Navient who was a " preferred '' lender to schools that 39 state AGs allowed Navient to settle loans given to attend over XXXX " for profit '' schools that lied to students to boost enrollment. But not me. Not thousands of others who filed bankruptcy or paid their loans the best they could and will forever be paying until they die. Navient has settled billions of dollars in lawsuits, and yet they and their CEO continue to profit off the backs of students whom they know will never be able to pay these predatory loans. When will it all stop and when will justice be serviced for the rest of us?

Company response to consumer: Closed with explanation