Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Statement Requesting Review and Audit of Student Loan History To Whom It May Concern, My experience with student loans has been confusing, stressful, and filled with information that was never clearly explained to me. From the beginning, I did not believe I needed student loans, but I was encouraged to take them anyway. As a young student, I trusted the people who were supposed to guide me, even though I did not fully understand what I was signing up for. When I attended XXXX XXXX in XXXX, Alabama, the financial aid office advisor encouraged me to take out student loans even though I was already receiving financial aid. I asked why I needed student loans when I had financial aid and two dependents, because I believed that should have been enough to cover my classes. I was told that I had to get student loans because my financial aid was not covering all my classes each year. I trusted what I was told, so each year I accepted the loans. Over time, this used up all my financial aid. The whole process felt forced, and I did not feel like I had any real choice or clear explanation. After the loans were taken out, Navient continued to give me guidance that I believed was helpful at the time, but I later learned it was not in my best interest. I was told that my {$0.00} payments would still count as payments toward my loan repayment of XXXX payments, so I trusted that information and believed I was making progress. I was also told that I had reached XXXX payments due to the repayment plan and given a different payoff date before my loans were transferred to XXXX, which made me believe I was moving in the right direction. Now, years later, XXXX Navient is telling me that my payoff date is in the year XXXX. That is a XXXX year loan, the same length as a home mortgage, and it is shocking to learn that after all this time, I am still nowhere close to being finished. I have multiple forbearances on my account that caused even more interest to build up over the years. I feel like I was misled in a way that kept me trapped in the repayment loop, making it easier for the system to stretch out my debt and keep me paying far longer than I ever should have. Because of this, the interest on my loans grew out of control. Year after year, the balance increased until it became something I could not manage. What started as a loan I never truly needed turned into a debt that has followed me since XXXX. I could not envision myself ever paying off this debt because it was too substantial for my income. Watching the balance rise has been heartbreaking and overwhelming. It was emotionally draining to see the numbers climb while feeling powerless to stop it. This debt has affected every part of my life. It damaged my credit, made it hard to qualify for a home, and caused high payments on basic purchases. Purchasing a car with a low interest rate has been a challenge, and buying a home has also been extremely difficult because of how my credit looks. The loans constantly dipped my credit score and my debt to credit ratio is extreme. I am being charged for student loans that did not bring the degree. Sadly, I have just obtained my degree almost XXXX years after receiving student loans, while working for a company that provides tuition assistance. These loans have held me back from opportunities and stability for many years. Because of everything I have experienced, I am requesting a full audit of my student loans. I would like to see exactly how my loans and financial aid were applied toward my tuition each year. I have never trusted the way my loans were handled, and I feel that I was misled during the process. An audit would help me understand what happened and why, and it would give me the clarity I have been needing for a long time. This situation has caused years of stress, confusion, and financial hardship. I am asking for this review so I can finally have a clear and honest picture of how my loans were used and why my balance became so high. Thank you for your time and attention to this matter. Kind Regards,

Company response to consumer: Closed with explanation