Consumer complaint received 2024-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: AR

Complaint narrative:
This is in regard to complaint XXXX. I am submitting this as a follow-up to my previous complaint filed on XX/XX/XXXX, which was closed on XX/XX/XXXX with a response from Sallie Mae . I respectfully disagree with the response they provided.

Their response states : " Our records reflect that we reviewed and addressed substantially identical concerns via the CFPB. Please reference CFPB case numbers XXXX and XXXX for our previous responses. As your most recent complaint provides no new or additional information, our position remains unchanged, and we consider this matter to be closed. If you need further assistance, please call our Customer Service Contact Center at XXXX. '' While they acknowledge addressing my concerns in previous complaints, they claim that my most recent complaint provides no new or additional information. I believe this statement overlooks critical updates I provided. Specifically, in my most recent complaint, I included the following information : " Since XX/XX/XXXX, I have been actively working with XXXX representatives to pursue assistance. My XXXX  doctor initially assured me that my condition would qualify me for XXXX. I have since submitted all requested documentation, and most recently met with a XXXX  as directed by the XXXX office. While this XXXX  confirmed that my diagnoses align with XXXX requirements, he informed me that, due to my age, it would likely be challenging to secure approvala policy that I believe is discriminatory. My age should not hinder access to XXXX support when my health conditions, including XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have rendered me unable to work. '' This is new and relevant information that Sallie Mae was not aware of during the previous complaints. For context, I did not receive my diagnoses of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX, a month after I filed my second complaint. Furthermore, I was not even aware of my appointment with the XXXX  when I filed my second complaint on XX/XX/XXXX. Thus, I find it concerning that Sallie Mae dismissed this most recent complaint as containing no new information. This response indicates that my complaint was not given the appropriate consideration, especially regarding the addition of these important details. 

For reference, the previous complaint timelines are as follows : XXXX filed on XX/XX/XXXX XXXX filed on XX/XX/XXXX XXXX ( most recent ) filed on XX/XX/XXXX Timeline of relevant medical events : XX/XX/XXXX : First appointment with a XXXX  in XXXX, AR XX/XX/XXXX : Underwent additional testing for XXXX  XXXX  XX/XX/XXXX : Received diagnoses of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX board request, confirming that my conditions qualify for XXXX but that my age could pose a challenge to approval Given this timeline, I am perplexed by Sallie Maes assertion that no new information was provided. The diagnoses and the XXXX  evaluation were not available at the time of the prior complaints, and I had not yet shared that I was in contact with the XXXX board and had met with a XXXX. 

I have been trying to resolve this loan issue since XX/XX/XXXX. I took out the loan based on misleading information provided by the course instructor of the " XXXX XXXX XXXX XXXX XXXX XXXX  '' program, XXXX XXXX. She led me to believe that the course could be completed within XXXX months, without informing me that it required XXXX  XXXX  and was a two-year program. This was not feasible for me due to my cognitive limitations caused by XXXX XXXX ( XXXX ). Had I known the true nature of the course, I would not have taken out the loan. 

Sallie Mae has stated they are willing to assist. During an earlier conversation with a representative, I was encouraged to fill out their total XXXX form, with the understanding that my case would likely be resolved favorably. However, despite submitting the form twice with the required documentation, no meaningful resolution has been reached. Sallie Mae is fully aware of my financial and medical situationsince XX/XX/XXXX ( when I was fired from my last job ), I have been unable to work due to my health and have no source of income, aside from the limited financial assistance I receive from my retired parents ( {$500.00} every XXXX months ). 

It is increasingly difficult to rely on my parents, as they are already stretched thin with their own retirement and social security. It is not fair to expect them to contribute further to my loan repayment when the money they provide is intended solely for basic living expenses. 

Despite my efforts for years to find work-from-home opportunities, I believed I had finally found a viable option in the Court Reporting and XXXX XXXX XXXXXXXX XXXX. However, the course was misrepresented, and I soon realized it was not a feasible path for me due to its demands. Since then, I have continued my search for suitable work-from-home positions, but I have not had any success. 

I have absolutely no way to pay off this loan. I am unable to apply for repayment programs, and I have no support from friends or family to help with the payments. Despite my best efforts to resolve this situation, Sallie Mae seems uninterested in addressing my needs or offering the assistance I require. This lack of concern for my position only adds to the difficulty of my situation, as I continue to face overwhelming financial and health challenges. 

I respectfully ask that Sallie Mae revisit this issue with a greater level of attention to the new information I have provided, and that they reconsider their position given the serious medical, financial, and personal challenges I am currently facing. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation