Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. I have XXXX XXXX XXXX  with Navient. I was XXXX XXXX XXXX and the XXXX XXXX and Navient preyed on me and my lack of knowledge of loans. I trusted that the department of education and the XXXX XXXX were giving me correct information and facts about my select program. After graduating from the XXXX XXXX I was unable to secure a job in my chosen field of XXXX XXXX. I interviewed with several companies for several years and was told my school did not have proper accreditations or that I needed a XXXX XXXX XXXX. The school never helped my find a job and Navient was there preferred lender. I feel that the school and Navient frauded me in believing I would have a solid career after graduation and also promoted high graduation rates which was not true. After trying to obtain employment for several years I had to move in XXXX because I couldn't afford to live in XXXX XXXX. 

The school did not offer a XXXX XXXX XXXX when I was a student and I was told that an XXXX XXXX was enough to secure a job in my chosen industry. Which was not true. Over the years I have tried to work with Navient on my loans and they refuse to work with me only offering me options of high payments that I could not afford or interest only payments. 

I became aware of the XXXXXXXX XXXX XXXXXXXX court case recently and the fact that Navient was court ordered to refund students who went to the XXXX XXXX because of the same issues I dealt with of being frauded by a for profit school. I was never approved for federal loans when I attended the XXXX XXXX and I believe the school and Navient preyed on my for private loans with higher interest rates. 

Navient has made it difficult for me since the pause on student loans was lifted. They have ruined my credit report causing me to lose out on financial opportunities, they have XXXX XXXX XXXX XXXX XXXX for money even though I have the same phone number and my name is listed on my voicemail, they still XXXX XXXX XXXX XXXX XXXX. They are calling my XXXX XXXX XXXX XXXX XXXX who live out of state and have nothing to do with these loans. 

I have tried to work out a agreement with them but they refuse to work with me on guidelines based on the XXXX XXXX  XXXX lawsuit. I believe entitled to the same relief as the XXXXXXXX XXXX XXXXXXXX class of injured plaintiffs. I was not aware of the lawsuit at the time of filing so I am not part of the lawsuit. 

These student loans have XXXX my life, they have XXXX me for almost 20 years. The XXXX of these loans and the financial restraint has caused me so much loss in my life. My XXXX XXXX is a cosigner and they are calling and XXXX  him as well. He is on XXXX XXXX with a limited income. They are from a for profit school ( XXXX XXXX ) that has been court ordered to repay AND refund former students. What I am asking for is reasonable and prudent. I made years of payments on these loans and I am asking for the balance to be XXXX. 

Navient has also been sued regarding these loans and over 30 state attorney generals have filed lawsuits. I am asking that they discharge my loans and cease and desist from XXXX XXXX XXXX XXXX XXXX 

In addition to Navient XXXX me on the private student loans, they are also pressuring my to take a high interest personal loan to pay for these student loans. After I would receive a phone call from a rep, I would get a email about applying for a personal loan or a HELOC loan. That is not right. In other words they want me to take out a personal high interest loan to pay for my high interest student loans. That should be illegal to XXXX people to take out multiple loans from one company.

Company response to consumer: Closed with explanation