Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have 3 private student loans through Navient, and they are serviced by XXXX. I signed up for these loans while attending The XXXX XXXX XXXX XXXX between the years of XXXX. The XXXX XXXX XXXX XXXX determined that The XXXX XXXX  were conducting fraudulent lending practices, and have therefore XXXX and are refunding all federal student loans for those schools. If the XXXX XXXX. XXXX  XXXX. has determined that these loans were fraudulent, and should be XXXX, then the private student loans should be held to the same standard. Private student loans are predatory, having much higher interest rates than the federal loans, and causing even more damage. Hundreds of thousands of XXXX XXXX graduates are now pursuing discharge for their private student loans, for the same reason. I am one of those graduates.

I got a full time job as a teacher and was making my payments to Navient over the last XXXX  years. Almost XXXX dollars a month towards private loans, and XXXX in federal loans, meant that I lived paycheck to paycheck. However, I was doing my best and paying my debts. Now, after XXXX  years of making payments, I no longer have a job. My credit score is being destroyed by Navient and XXXX, who will not give me more forbearance, lower my interest rate any more, or do anything to help. I have called them to ask for assistance countless times, and each time I am met with cold, unfeeling, corporate demands. It is ridiculous that I made so much effort to pay them for loans that have been deemed fraudulent, and they're not willing to help me at all. 

I started the process of private student loan discharge back in XXXX of XXXX, because of what the XXXX XXXX XXXX  XXXX. determined. I requested a discharge over the phone, and was told there was no option. So, I filed a complain here at the CFPB. Then, Navient sent me a form to file for a private student loan discharge. I was hopeful, and I spent a long time compiling my resources and submitting my discharge application. However, that application was denied. When I asked why it was denied, I was told that they could not provide a specific reason. Only that there was not enough proof. That is absolutely a lie, because there are people whose XXXX XXXX XXXX XXXX applications have been approved, and they provided less paperwork than me. 

I was told I could apply again, so I applied again in XXXX of XXXX. I just received a denial letter for that application, with no reason for why my application was denied. However, I am aware of multiple people with the same type of evidence as me, that have had their applications approved. This feels like a completely subjective, fraudulent process. Navient is aware that The XXXX XXXX  were participating in fraudulent lending behavior, and therefore these student loans should be XXXX. They probably don't have any rubric, and they are probably just trying to scam as many people out of their money as they can. I am appalled at Navient and XXXX 's behavior, and I believe that this predatory lending and behavior is what is causing the downfall of the American economy. They should all be ashamed of themselves, and their families should be ashamed of them. 

I am attaching all of the documents I sent in for the XX/XX/XXXX application. I am also attaching the two email rejections I've received, which show that they provide absolutely no proof or evidence as to why their denial is valid or lawful. And I'm attaching the email I received from the XXXXXXXX XXXX XXXXXXXX. about specifically my federal student loans being XXXX and refunded. 

I am also attaching screenshots of an email that another graduate received, which shows that their private student loan discharge for the XXXX XXXX  have been approved.

Company response to consumer: Closed with explanation