Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am failing a complaint because I am desperately in need of assistance. I attended the XXXX XXXX of XXXX between XXXX. The school closed down XX/XX/XXXX due to school misconduct. The enrollment process was rushed. I mis-informed about the financial aspect, the job opportunities and rate, company connections, and that XXXX be equipped to start my career as an advertiser. One of the biggest issues, is the private student loans. During XXXX, I wasnt informed there will be any federal funding issues covering my school expenses. Once I XXXX  and XXXX XXXX XXXX, everything was fine. After my semester, I was informed I didnt have enough federal loans so I should get a co signer or apply for private loans. I was unable to get a co-signer so they made it seem my only option was private loans. Details pertaining the private loans was not explained to me, wasnt discussed. I was just told I needed to apply to stay enrolled and to sign the documents. That process was also rushed. I was highly confused as to why I needed assistance from the private student loans when XXXX  didnt mention there wasnt enough government funding. Now that I am an adult and viewed my loans, and only XXXX private loans was requested. These private loans were dispersed from XXXX. 

Ive been struggling to make payments ever since. XXXX there was a recession and no one was hiring. Companies turned my portfolio and application down stating I didnt have the credentials or the experience. Some stated The XXXX XXXX XXXX  doesnt prepare you for success. 

XX/XX/XXXX, I lost my job and had a baby. I had no income at all. I called Navient ( private ) and explained my situation. I was informed by the agent, that there was nothing I can apply for. I ran out of forbearance XX/XX/XXXX and had to make payments. I informed her that I didnt have a flow of income and was living off savings trying to take care of my new born and I couldnt go to work due to XXXX. She informed me, that since Ive been paying all this time, that I can find the money from somewhere, that I am lying. If I dont pay, XXXX be sued. I have never been spoken too so rudely, in a dire situation, seeking assistance. I called them to file a complaint on the employee and was just informed they will take care of it but I had to still make the payments. 

Since then Ive made all the payments I could to sustain my credit and not being sued. My credit plummeted and my living situation was terrible. I worked hard to be re-employed and managed to bring up my credit score in hopes of a better life for myself and child. 

XX/XX/XXXX, I was informed I will have to pay over {$760.00} dollars monthly. I informed them, I dont have the funds to pay the high bill that I was already struggling and trying to find a way to get it lowered because my savings have been exhausted. I recently had to move and shelter expenses/childcare expenses are extremely expensive. Food has even quadrupled in price. 

I started searching and found that my school closed due to misconduct. I called and asked for the Misconduct form. I was first told it would be mailed to me. I waited and didnt receive it. I called back a 10 days later to check if its been mailed but it wasnt. I was able to get it after about request but had to log into the online portal, print it out, then mail it to them. I mailed the form in XX/XX/XXXX. I received a denial letter which didnt explain the reason for denial. It just stated I didnt meet the qualifications. I tried calling the number on the letter and couldnt reach no one. I was forwarded immediately to a voicemail message. I left several messages and no one contacted me back. 

The rates due the loans had increased to XXXX % and had me in a loop with no hopes of ever paying it with high demands of monthly payments. 

I called Navient and spoke to an agent who was not part of the misconduct team that handles the application and she stated to me that the misconduct had nothing to do with the private loans that its not suitable for being discharged. That I would have to lose my job but when I lost my job they didnt help me or state I could get my loans discharged. That I need to have proof that they personally did anything leading to predatory lending towards me, personally, dealing with the school. There were no options according to the agent. That was the whole point of putting in the school misconduct form, its one of their options listed on their application. Thats the purpose of it. 

I tried everything possible to pay them. I cant even file for bankruptcy because they are the reason for my hardship. They are refusing to discharge the loans no matter the situation. Even though I was falsely mislead. I dont have any proof because it was long ago and I lost everything after I graduated. I only had a suitcase with clothes. No prior emails work. I no longer have a student account. My XXXX account in which I was receiving school information was hacked into and unrecoverable. The school is closed and I cant get any information. There are no flyers or any information from that time. Just my testimony, as well as, all the other students testimony and lawsuits. I know I am not the only one. Some of them were able to provide evidence. 

The amount they are asking me to pay will leave me homeless once again. I am reaching out desperately seeking assistance. According to the agent, with my income, I am not eligible for hardship. Unfortunately, they do not factor in living expenses or childcare expenses. 

After all these years of making payments since XXXX, I owe {$67000.00} when I started off approximately {$42000.00} of private loans. 
Please help

Company response to consumer: Closed with explanation