Consumer complaint received 2024-12-01 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: MOHELA
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a XXXX  Misconduct Discharge application to Navient with supporting evidence which demonstrated XXXX XXXX misconduct and how it negatively impacted me. 

On XX/XX/year>, I received a decision from Navient denying my application for a XXXX XXXX XXXX. The included rationale for the decision stated that, A variety of factors are considered in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. Subsequently, I spoke to a Navient representative via phone and asked for clarification on the factors that Navient used to make their decision, so that I could try to satisfy them further. I was told that the factors that Navient uses to decide whether to discharge private student loans related to school misconduct are proprietary and would not be divulged to me. 

On XX/XX/year>, I again spoke to a Navient representative and asked for another XXXX XXXX XXXX application, because I have new information to submit. The representative at first refused. When I pressed her for why, she than said that she could sent me another application but that it wouldnt change the results because it would just be a duplicate application. 

It has been well documented in the XXXX XXXX XXXX XXXX XXXX  engaged in misconduct by misrepresenting its job placement rates, and exaggerating likely earnings of graduates from its programs. I have shown that I graduated from XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and that I am therefore included in this harm caused by XXXX. As evidenced by the fact that I have received settlements in the XXXX cases relating to school misconduct by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX University FTC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  My original private XXXX  loan amounts totaled {$42000.00}, I have been paying on them for 15 years, and they now total XXXX a increase of 65 %. I have been unable to obtain fXXXX XXXX. I have often been unable to afford to rent an apartment, let alone to buy a house. I have slept on friends couches. During the worst of times and have had to resort to living with my XXXX  mother, as a XXXX man, this was incredibly humiliating. I am only housed now because, as a veteran, I have been able to obtain a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and live in a tiny apartment. I have been unable to save for retirement or save anything, for that matter. And as I approach my senior years, the future looks bleak. I often ponder how much better my life would have been, had I never attended XXXX, without being {$140000.00} ( XXXX and XXXX combined ) in student loan debt for an education that was worthless. 

Navient is culpable in the damages caused XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The FTC has stated that student loans are within the scope of the XXXX XXXX. For private loans, the borrower XXXX be able to cancel existing debt if a XXXX  fraudulently induced the XXXX XXXX XXXX  and had some relationship with the lender.

Company response to consumer: Closed with explanation