Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
b"XXXX XXXX XXXX Loan Numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX\nConsumer Federal Protection Bureau\nXXXX XXXX XXXX XXXX, Iowa, XXXX\nDear Sir/Madam\nI am writing to formally request the discharge and complete removal of my private student\nloans from Navient in light of the exceptional circumstances surrounding my educational\nexperience and subsequent financial burden. These loans were taken out for my education\nat the Brooks Institute of Photography, which I attended more than XXXX years ago. I am\napproaching my XXXX birthday and have dutifully repaid more than XXXX of the original loan\ndisbursements. Additionally, Brooks Institute of Photography, formerly operated under the\nXXXX XXXX XXXX XXXX, has since closed due to numerous allegations and\nproven instances of misconduct. Given these significant factors, I believe discharging\nthese loans is both a fair and necessary action.\nXXXX and foremost, I would like to emphasize the substantial financial burden I have\nshouldered over the years in repaying these loans. Despite investing in what I believed at\nthe time was a valuable education, the closure of Brooks Institute has left me with a degree\nfrom a defunct institution that has been embroiled in controversy. This has significantly\nimpacted my personal and professional life, as the misconduct and eventual closure of the\nschool have devalued the education I received. Over the years, I have repaid more than\nXXXX of the original loan amountan achievement that demonstrates my dedication and\ne^ort to fulfill my financial obligations, despite the challenges posed by the institution\nitself.\nThe closure of Brooks Institute is significant in this context. As you may be aware, Brooks\nInstitute was part of the XXXX which has faced numerous legal challenges and\ninvestigations related to deceptive practices, misleading recruitment tactics, and financial\nmismanagement. These actions ultimately led to the institution's closure, which was a\ndirect consequence of its inability to meet the educational standards it promised. This\nsituation has placed me, and many of my fellow students and alumni, in a precarious\nposition, as we are left with the aftermath of XXXX disreputable practices without recourse\nor recognition from the financial institutions that funded this endeavor.\nIn light of these circumstances, I submitted a request for loan discharge to the Department\nof Education and recently my borrower defense application was approved, this has lead to\nthe discharge of my federal student loans. This outcome provides a precedent for the\nconsideration of my private student loans. The acknowledgment by the federal government\nof the unjust circumstances surrounding Brooks Institute's operation and closure has been\ninstrumental in providing me with some financial relief. My successful discharge of federal\nloans underlines the equitable consideration that should also be extended to private loans\nissued for the same educational pursuit.\nGiven the significant developments and established precedent with my federal loans, I\nrespectfully urge Navient to consider this context and grant a discharge of my private\nstudent loans. The removal of these loans from my credit report would not only rectify the\nfinancial challenges posed by ongoing payments for a disreputable education but also o^er\nmuch-needed relief as I approach a period in my life where financial stability and security\nare paramount.\nI am fully prepared to provide additional documentation or information to support my\nrequest. Should you require records of my payments, proof of the institution's closure, or\ncommunication regarding my federal loan discharge, I am ready to supply these details\npromptly. Furthermore, I am open to engaging in any discussions or following any\nprocedures that Navient may deem necessary for processing this request.\nThank you for your attention to this matter. I sincerely hope that Navient will consider the\nfairness and necessity of discharging my private loans under these exceptional\ncircumstances. I look forward to your positive response, which would allow me to move\nforward with confidence and financial peace.\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation