{"took":394,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":216,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3544343","_score":29.099632,"_source":{"product":"Student loan","complaint_what_happened":"Dear Staff, I contacted Navient Student Loan Servicer on XX/XX/XXXX, XX/XX/XXXX, to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. I was told the reason for not qualifying for the Term and Rate Reduction program was because I called at the wrong time. Each time I called and under duress reluctantly agreed to the terms my rate increased. \n\nToday, XX/XX/XXXX, I called to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction Program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. \nThis time I asked why am I not eligible this time for the Term and Rate Reduction Program and was told Navient is not offering the Term and Rate Reduction program because \" We just aren't offering to you, and I don't see where you were ever offered that program. '' I explained to the gentleman that I am retired and can not afford my rate to increase and he shared that he was very sorry but there isn't anything else that Navient can do. I asked about refinancing through their sister company NaviFi or Settling the debt and locking into an affordable payment plan since the interest accrued is double the original loan amount and with an interest rate of over 14.0 % : Loan XXXX  : Original Principal {$4700.00} Current Balance {$12000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$7400.00} Current Balance {$18000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$3400.00} Current Balance {$7800.00} Interest Rate 14.625 % Interest Type : Variable I am retired and I am recovering from Bankruptcy and I just need a payment that isn't going to cause me to lose my housing. I have been looking for refinancing and consolidation but I am not having any luck, yet. My only recourse is to agree to another 6 months, another 30 years, and return to Bankruptcy Court to declare undue hardship. I am only asking for Navient 's assistance to continue paying ; if I had understood that private loans were this much trouble, I would have never signed up. Please help me. \n\nSincerely, XXXX","date_sent_to_company":"2020-02-26T00:03:23.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"91709","tags":null,"has_narrative":true,"complaint_id":"3544343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-02-25T22:03:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["Please <em>help</em> me. \n\nSincerely, XXXX"]},"sort":[29.099632,"3544343"]},{"_index":"complaint-public-v1","_id":"2886957","_score":28.85651,"_source":{"product":"Student loan","complaint_what_happened":"In XX/XX/XXXX when my loans became due from Navient they wanted me to pay {$1400.00} a month and with my income there was no way I could afford that. I asked them to extend the amount of years for repayment and they said no, instead they gave me a Rate Reduction Program for 15 months and reduced my interest rate and made my payment much lower. I still struggled as I was paying out {$1100.00} a month in student loan payments. I received an email in XX/XX/XXXX stating my Rate Reduction Program was soon coming to an end and if I wanted to extend it to fill out financial paperwork and request the extension. I filled out the paperwork and I called in XX/XX/XXXX to extend the program and they said I couldn't do anything until the Rate Reduction Program actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the Rate Reduction Program ended I also noticed they increased my interest rates to a much higher rate then when I got the loans. I called Navient on XX/XX/XXXX and inquired about extending my Rate Reduction Program. I was told I did not qualify because I do not have a bad mark on my credit report and because my credit is good I don't show financial hardship. I told them if they look at my income and the amount they want me to pay monthly on top of the other student loans I pay I do show financial hardship. Their only answer is for me to find another company to refinance my loans through. There isn't a company out there that will give me {$140000.00} loan based on my income. It makes no sense to me that they would want to ruin my credit ( after I have faithfully paid my payments in the program I was in ) before helping me. My defaulting on these loans doesn't help anyone. My circumstances last year were no different from this year and I qualified for the Rate Reduction Program. There has to be a better system for Navient to work with people who want to pay back their high balance loans but can not afford the ridiculous monthly payment they want.","date_sent_to_company":"2018-04-25T15:24:23.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"196XX","tags":null,"has_narrative":true,"complaint_id":"2886957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-04-25T14:51:40.000Z","state":"PA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I filled out the paperwork and I called in XX/XX/XXXX to extend the <em>program</em> and they said I couldn't <em>do</em> anything until the <em>Rate</em> <em>Reduction</em> <em>Program</em> actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the <em>Rate</em> <em>Reduction</em> <em>Program</em> ended I also noticed they increased my interest <em>rates</em> to a much higher <em>rate</em> then when I got the loans."]},"sort":[28.85651,"2886957"]},{"_index":"complaint-public-v1","_id":"2190207","_score":28.83378,"_source":{"product":"Student loan","complaint_what_happened":"I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.","date_sent_to_company":"2016-11-03T13:39:05.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"124XX","tags":null,"has_narrative":true,"complaint_id":"2190207","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2016-11-02T00:38:23.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't get flexible payment options"},"highlight":{"complaint_what_happened":["I called Sallie Mae to find out more information regarding their <em>Rate</em> <em>Reduction</em> Plan. The representative advised that Sallie Mae will only discuss the <em>rate</em> <em>reduction</em> with borrowers who are delinquent on the account. I <em>do</em> n't understand how borrows who are delinquent get rewarded with lower interest <em>rates</em>, and borrowers who are struggling, but still make payments on time are punished by not having access to a <em>program</em> created to <em>help</em> borrows repay their student loans."]},"sort":[28.83378,"2190207"]},{"_index":"complaint-public-v1","_id":"3347189","_score":28.673798,"_source":{"product":"Debt collection","complaint_what_happened":"On Monday XX/XX/2019 at XXXX EST I spoke with XXXX XXXX in the Rate Reduction Program Department. I advised her of my concern. She asked a couple of questions regarding my request to apply to the rate reduction program. Follow a brief hold she provided the results of the review. I was not satisfied as the rate of 5 percent increased to 8.5 percent. Once I challenged the rate increased her behavior became very aggressive thus making me become very assertive. She would not provide any details around the rate reduction programs and declined to provide any feedback around the changes to the program, noting this she does not have to disclose that information to me. I feel Navient/Sallie Mae takes advantage of their clients. As a result my payment has increased from {$430.00} to {$530.00}. This is absurd and I don't know how to combat this. I was very vulnerable so I gave in to the new payment as the regular payment is around {$700.00} a month. Please Help!! Sallie Mae/Navient is really taking advantage of their clients. I don't know how they are allowed to continue to service loans.","date_sent_to_company":"2019-08-20T14:31:05.000Z","issue":"Communication tactics","sub_product":"Private student loan debt","zip_code":"29045","tags":null,"has_narrative":true,"complaint_id":"3347189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-08-20T14:13:49.000Z","state":"SC","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["On Monday XX/XX/2019 at XXXX EST I spoke with XXXX XXXX in the <em>Rate</em> <em>Reduction</em> <em>Program</em> Department. I advised her of my concern. She asked a couple of questions regarding my request to apply to the <em>rate</em> <em>reduction</em> <em>program</em>. Follow a brief hold she provided the results of the review. I was not satisfied as the <em>rate</em> of 5 percent increased to 8.5 percent. Once I challenged the <em>rate</em> increased her behavior became very aggressive thus making me become very assertive."]},"sort":[28.673798,"3347189"]},{"_index":"complaint-public-v1","_id":"1518704","_score":28.442623,"_source":{"product":"Student loan","complaint_what_happened":"I have student loans through Navient, formerly XXXX XXXX. I have been enrolled in the rate reduction program, due to the high level of student loans my parents had me take out in my name and difficulty paying them back. My parents have been separated for some time now, and both struggle to make a living. Rate Reduction has been very helpful. This week my grandmother ( Co-signer ) passed away. I had been in touch multiple times with Navient and dealt with a woman XXXX in the Rate reduction program. I went over financials, and everything, with XXXX who said that she would get it approved by her supervisor and be back in touch. This was over a month ago. My payment is supposed to be taken out on Tuesday, and I have attempted many times to get in touch to have this approved so I will not be taken out of the program. My issue is that this was supposed to be something taken care of over a month ago, then I come to find out this was never submitted for approval, and never addressed at all. I have never missed a payment in the rate reduction program, and without it I do not know where I would be so it is very important that I work with someone that can help me and not put their agenda before mine.","date_sent_to_company":"2015-08-14T19:23:55.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"07006","tags":null,"has_narrative":true,"complaint_id":"1518704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2015-08-14T19:23:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["I have never missed a payment in the <em>rate</em> <em>reduction</em> <em>program</em>, and without it I <em>do</em> not know where I would be so it is very important that I work with someone that can <em>help</em> me and not put their agenda before mine."]},"sort":[28.442623,"1518704"]},{"_index":"complaint-public-v1","_id":"1558655","_score":27.640896,"_source":{"product":"Student loan","complaint_what_happened":"I 'm a recent graduate of XXXX University in XXXX, PA. I called Sallie Mae at ( XXXX ) XXXX a couple times to get a couple questions answered about their rate reduction program and extended repayment plan as I need help getting my rates and payments lowered to avoid delinquency. Each time I called, I spoke to a different person from Sallie Mae and they were very rude, shady, and not willing to help. I was lied to by the first employee after being told they do n't have a rate reduction plan. The second employee told me I 'd need to be transferred to collections for information about the rate reduction plan, but she would n't do it because she did n't think I needed help. My second question was about extended repayment and received different answers once again from both employees. Both calls made me feel like the people working for Sallie Mae are n't concerned with the well-being of those who have loans through their company.","date_sent_to_company":"2015-09-10T00:12:28.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"22180","tags":null,"has_narrative":true,"complaint_id":"1558655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2015-09-10T00:12:27.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Having problems with customer service"},"highlight":{"complaint_what_happened":["I called Sallie Mae at ( XXXX ) XXXX a couple times to get a couple questions answered about their <em>rate</em> <em>reduction</em> <em>program</em> and extended repayment plan as I need <em>help</em> getting my <em>rates</em> and payments lowered to avoid delinquency. Each time I called, I spoke to a different person from Sallie Mae and they were very rude, shady, and not willing to <em>help</em>. I was lied to by the first employee after being told they <em>do</em> n't have a <em>rate</em> <em>reduction</em> plan."]},"sort":[27.640896,"1558655"]},{"_index":"complaint-public-v1","_id":"2095154","_score":27.128378,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/2012 I was offered a Special Direct Consolidation Loan opportunity with the US Dept of Ed for which I accepted. I was promised a lower interest rate with this consolidation which I was eager to do since my lowest loan had a rate below 2 %. However, this consolidation excluded these lower interest rate loans thereby not fulfilling the promise this US Dept of Ed consolidation offered stated here : How this benefits you : One servicer and one payment, rather than multiple bills and multiple payment addresses. \n\nPotential lower combined payment amount that 's based on a lower interest rate and the repayment plan selected. \n\nUp to 0.50 % interest rate reduction! Earn a 0.25 % reduction on the loans you consolidate and another 0.25 % rate reduction if you enroll in automatic debit. \n\nLock in a lower fixed interest rate automatically on any of your loans with a variable interest rate. \n\nSame loan terms and conditions, including your eligibility for the same deferment and repayment relief options. \n\nPotential for Public Service Loan Forgiveness Program eligibility if you meet specific program requirements. \n\n\nInstead, the lower interest rate loans were kept at XXXX, only the higher rated loans were consolidated thereby making me have over {$30000.00} in interest in just 4 years after this consolidation. This offer has actually increased my interest due and NOT HELPED ME AT ALL. \n\nThis is my complaint. Not sure why it was rejected before or why such little time is afforded to respond. Thank you for your help.","date_sent_to_company":"2016-09-12T17:40:24.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"2095154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-09-03T18:54:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about my loan"},"highlight":{"complaint_what_happened":["Thank you for your <em>help</em>."]},"sort":[27.128378,"2095154"]},{"_index":"complaint-public-v1","_id":"3392223","_score":26.924158,"_source":{"product":"Student loan","complaint_what_happened":"On several occasions I've tried to have Navient reduce my monthly payments. For months I begged and tried to explain my situation to Navient. I eventually fall behind. The only thing they offer me is the a temporary rate reduction plan. Where for 12 months my interest is lowered to about {$75.00} a month. I've completed the program twice now and each time the amount of my loan increases. The loan was originally for {$5000.00}. I owe about {$10000.00} now. My cosigner is unable to help due to her own illness and unable to work and they still refuse to do anything but keep putting me back in the rate reduction program. I would like to get my payments down to about $ 95- {$100.00} where I can actually afford them. I am currently behind {$240.00}, I believe I'm 2 months behind. I'm currently back in school for my XXXX XXXX and they refuse to do an in-school deferment either. They also call me at least 4 times a day and they also use this company XXXX XXXX to disguise their number just to get through to me, even though I've already talked to Navient for the day and told them I was at work and couldn't talk. They keep offering me the rate reduction program but all it does is increase the amount of money I owe them.","date_sent_to_company":"2019-10-01T20:37:49.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"3392223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-10-01T20:25:34.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["The only thing they offer me is the a temporary <em>rate</em> <em>reduction</em> plan. Where for 12 months my interest is lowered to about {$75.00} a month. I've completed the <em>program</em> twice now and each time the amount of my loan increases. The loan was originally for {$5000.00}. I owe about {$10000.00} now. My cosigner is unable to <em>help</em> due to her own illness and unable to work and they still refuse to <em>do</em> anything but keep putting me back in the <em>rate</em> <em>reduction</em> <em>program</em>."]},"sort":[26.924158,"3392223"]},{"_index":"complaint-public-v1","_id":"2306234","_score":26.591566,"_source":{"product":"Student loan","complaint_what_happened":"Called Sallie Mae XX/XX/2016 : XXXX asked for help with deferment payments the woman on the phone said \" The credit collectors would get ahold of us '' and there is nothing we can do for you at this time. XXXX Asked \" is there anyone you can transfer me to that can help me with more information? \" .... \" not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they do not have a rates and reduction program, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to help me. I asked to be transferred back to customer service and was connected with XXXX ( Florida ). Wrong department. XXXX ( servicing general ) XXXX informed me that I was transferred to the wrong department. I informed him that both collections and customer service had told me that they were unable to help me out. He then called over to customer service for me to see if there was anything to be done. Transfered once again, to XXXX in Escalations. She informed me that my account must be in delinquency in order to apply to rates and reduction program. \n\nIn a subsequent call we were told that we were put on a rates and payments program, where our rates would be reduced as would our payments which would be capped at XXXX, but the payback period would be 30 years. \n\nXX/XX/2016 : Sallie Mae call I called Sallie Mae to talk about why my account read ( approx. ) negative XXXX dollars. I was put on with someone who told me that our Sallie Mae loan account was signed up for a {$120.00} auto draft from our checking account, and that this would be for three months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that after XX/XX/XXXX our account would be updated to reflect the fact that we were on the new program. \n\nto date our loans are still not adjusted as \" Rate and Reductions '' rates that were were supposed to be paying, but instead we are supposed to still be paying the nearly {$500.00} a month for all our loans instead of {$120.00}. We can not stop getting the run around and we are struggling financially mostly due to the issues and over payment to XXXX/ Salei Mae '.","date_sent_to_company":"2017-01-26T16:31:12.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"77081","tags":null,"has_narrative":true,"complaint_id":"2306234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2017-01-24T01:00:31.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["\" .... \" not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they <em>do</em> not have a <em>rates</em> and <em>reduction</em> <em>program</em>, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to <em>help</em> me. I asked to be transferred back to customer service and was connected with XXXX ( Florida )."]},"sort":[26.591566,"2306234"]},{"_index":"complaint-public-v1","_id":"1382648","_score":26.337137,"_source":{"product":"Student loan","complaint_what_happened":"I have XXXX from college and borrowed XXXX and XXXX from sallie Mae in XX/XX/XXXX and XX/XX/XXXX. Since the loan now is past the six month mark and payments are through the roof. Over XXXX a month combined. I am unable to pay this amount and my mother the cosigner is unable as well. My father is deceased so that is not an option either. To make a long story ahort I have been dealing with sallie Mae since XX/XX/XXXX. They has me give all my and my co signers financial info for a rate reduction program that they said I was eligible for at XXXX a month and 2 percent interest for two Years and after two years we reevaluate they had me put a months for earance on the loan as well. Now the program has ceased and they claim its due to their mistake in me putting the loan into forbearance. I had to give all financial info for both again. Now it 's being denied due to processing stating that my mom made XXXX in XX/XX/XXXX. She did not tell them this nor did she make that. She made XXXX and would never inflate it like that also they say she has XXXX in a savings account in XX/XX/XXXX as well. She does not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not do the rate reduction program now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the rate reduction program and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can help I would appreciate it. They are untruthful for their own convience. And I just need help to pay the loan at the rate in which I can afford. I did not add that the loans at present are 7.5 and 8 percent. I am not sure what your agency does but any input would help. I was told no from sallie Mae yesterday XX/XX/XXXX. Thank you XXXX","date_sent_to_company":"2015-05-19T16:51:41.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"1382648","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2015-05-19T16:51:40.000Z","state":"NJ","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Can't get flexible payment options"},"highlight":{"complaint_what_happened":["She <em>does</em> not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not <em>do</em> the <em>rate</em> <em>reduction</em> <em>program</em> now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the <em>rate</em> <em>reduction</em> <em>program</em> and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can <em>help</em> I would appreciate it."]},"sort":[26.337137,"1382648"]},{"_index":"complaint-public-v1","_id":"1899705","_score":26.02209,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/XXXX I received a XXXX XXXX Tuition Answer Student Loan in the amount of {$20000.00}. I am listed as the Student Borrower/Co-Signer of the loan. I completed XXXX school in XX/XX/XXXX ( A long time I know ) and then went to graduate school. I utilized forbearance and in-school deferment options all I could but during my 2nd year of XXXX school I received notice that I no longer qualified for assistance and would need to start paying my loan immediately. The monthly loan amount was more than {$400.00} per month and as a XXXX student with a salary of only {$5800.00} a year this was a struggle. \n\nAfter finishing XXXX school the job market was less than ideal. I missed some payments and got behind. I contacted XXXX XXXX for assistance and they informed me that the only program I qualified for was a \" rate reduction program ''. In this program they reduce your interest rate to 1 % and you pay the interest on your loan ONLY. None of the money goes towards the principal which has now exploded to just over {$54000.00}. \n\nI now have a secure job and I have been making payments and each month I pay what I can and the principal NEVER goes down. As a young consumer at the time of this loan I feel like I was taken advantage of by XXXX XXXX. It is n't that I do n't want to pay my loan, it is more that I have made payments for XXXX years and my loan balance has n't decreased a cent. XXXX XXXX, now Navient, simply collects money from me every month and calls the program a way to help consumers. This does n't HELP consumers, it suffocates them. I am a teacher so I will never make enough money to make the monthly payments that they want from me and LIVE. \n\nI reached out to them to see if we could settle this account for a smaller amount and they declined. I filed a complaint with the XXXX about their predatory lending techniques and they sent me a letter with the promissory note included. According to a XXXX XXXX XXXX with the Office of Customer Advocate, the Rate Reduction Program, \" is a special modification program that is designed to assist customers in resolving delinquency and repaying their student loans ''. \n\nThe problem is, the Rate Reduction Program DOES NOT help consumers repay their student loans, it helps make the pockets of Navient thicker by collecting \" interest only '' payments from those who are financially struggling. Here is an idea Navient, if you really want to help consumers repay their student loans why do n't you take the interest rate down to 0 % for one year and allow them to make a pre-set payment that will ACTUALLY help them pay down their principal. \n\nAs I said before, I want to pay my debt back, but I do n't think it is right for me to have made payments for 3 years and still owe the same amount. This is n't helping me \" repay my student loan '' it is helping Navient MAKE money off of a person who ca n't afford the full monthly payment on their {$20000.00} loan that has EXPLODED to {$54000.00} because of a crazy high interest rate.","date_sent_to_company":"2016-04-27T15:08:49.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"1899705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-04-27T15:08:49.000Z","state":"TN","company_public_response":null,"sub_issue":"Can't get flexible payment options"},"highlight":{"complaint_what_happened":["According to a XXXX XXXX XXXX with the Office of Customer Advocate, the <em>Rate</em> <em>Reduction</em> <em>Program</em>, \" is a special modification <em>program</em> that is designed to assist customers in resolving delinquency and repaying their student loans ''. \n\nThe problem is, the <em>Rate</em> <em>Reduction</em> <em>Program</em> <em>DOES</em> NOT <em>help</em> consumers repay their student loans, it <em>helps</em> make the pockets of Navient thicker by collecting \" interest only '' payments from those who are financially struggling."]},"sort":[26.02209,"1899705"]},{"_index":"complaint-public-v1","_id":"2251765","_score":25.828705,"_source":{"product":"Mortgage","complaint_what_happened":"PLEASE DIRECT THIS TO XXXX XXXX AS WELL AS WELLS FARGO. \nThis is a further complaint in an ongoing attempt to modify a mortgage that is not affordable. Please see prior complaints associated with my name to better understand my situation. While I was able to borrow money via a XXXX mortgage from family members to get my house out of foreclosure, I am beyond risk of imminent default without modification. Hamp ends on XXXX XXXX, 2016 and Wells Fargo is unwilling to consider an application for loss prevention complete without a \" divorce liability letter '' from my ex husband. I am the successor in interest of the home ( Wells Fargo has confirmed this but refuses to consider me a borrower. ) My ex husband is refusing to sign the \" letter '', and by the time he is court ordered to do so, Hamp will have expired. I was happy that the CFPB made it 's new ruling, so eventually I will need to be considered a borrower, but Hamp will have expired. The investor of my loan is XXXX, and once the ruling takes effect, there is no program like HAMP. Further, according to the new ruling, the CFPB made no directives other than that a program be accessible, affordable, sustainable and transparent. Well, the mortgage bankers association recommended a program that excludes many people from a meaningful reduction in payment, and XXXX and XXXX are planning to implement that very program via \" Flex mod ''. So, here is how it is n't affordable ... .if you do n't reach a 20 percent payment reduction or a 40 percent housing to income ratio, and your loan to value is LESS THAN 80 percent, not only is there no forbearance, but there is no reduction in interest rate to market rate either. So, my housing to income ratio is approximately 80 percent, and I wo n't get a reduction in interest rate. How is that affordable? How is that sustainable? I did not want a home equity loan of XXXX with XXXX XXXX XXXX, and I had no choice due to a divorce when my ex husband caused that debt. But, my house is still a bit under 80 percent. So, extending the term to 40 years does not give me enough of a meaningful reduction. So, people that have higher loan to values get a better chance of staying in their homes, but ultimately I am being given no choice but to sell. When I do sell, I will not be able to afford housing in my area for myself and my XXXX kids. My only income at the moment is alimony and child support. I certainly wo n't qualify for a mortgage or to refinance. It is ridiculous that XXXX and XXXX modifications are not at the standard market modification rate. From XXXX 's new servicing bulletin : if less than XXXX percent ltv : \" set the modified interest rate to the borrower 's contractual interest rate. '' This is not affordable, this is not sustainable. Please do something that helps people that would have been helped by Hamp but are now left with no options. If you read my past submissions you will know that Wells did agree to a loan mod, and then later refused even though XXXX said they were willing to do it, all because they felt it was a legal risk due to a threat from my ex husband. Please make a RULING regarding modifications. Please make a ruling that in cases of imminent default, modifications should be at MARKET RATE, regardless of LTV. As for the \" divorce liability letter '', when did Hamp programs start requiring this letter? Is Wells Fargo just doing this to serve their own needs? I am writing this complaint for the further reason that the CFPB previous response was as follows \" Complaints help us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce federal consumer financial laws, and write rules and regulations. '' I certainly have a challenge that is not being helped by current rules.","date_sent_to_company":"2016-12-16T16:20:56.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"064XX","tags":null,"has_narrative":true,"complaint_id":"2251765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-12-15T19:01:36.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["So, here is how it is n't affordable ... .if you <em>do</em> n't reach a 20 percent payment <em>reduction</em> or a 40 percent housing to income ratio, and your loan to value is LESS THAN 80 percent, not only is there no forbearance, but there is no <em>reduction</em> in interest <em>rate</em> to market <em>rate</em> either. So, my housing to income ratio is approximately 80 percent, and I wo n't get a <em>reduction</em> in interest <em>rate</em>. How is that affordable? How is that sustainable?"]},"sort":[25.828705,"2251765"]},{"_index":"complaint-public-v1","_id":"1836004","_score":25.82037,"_source":{"product":"Student loan","complaint_what_happened":"Sallie Mae is giving me the \" run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could \" help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all.","date_sent_to_company":"2016-03-17T00:24:06.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"1836004","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2016-03-17T00:24:06.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["All departments transfer me to other departments, each stating that it is the previous department that can <em>help</em>. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance <em>program</em> which <em>does</em> not make affording the payments any easier. There was mention of a <em>Rate</em> <em>Reduction</em> <em>program</em> but each person I talked to referred me to another person who could \" <em>help</em> '' all said it was another person. Again this happened 4 times."]},"sort":[25.82037,"1836004"]},{"_index":"complaint-public-v1","_id":"3390092","_score":25.705194,"_source":{"product":"Student loan","complaint_what_happened":"Sallie Mae had the original loan for under {$20000.00}. Since being with Navient, there has been so many issues, from they had no record of previous payment, to check online about where your payments are going, to dealing with the rate reduction program. I have been dealing with the rate reduction am for 3 years, have made my payment on time, and most of my paymets go to interest. I owe them {$40000.00} now due to interest they have charged me. So for 3 years the amount I owe is still {$40000.00}, doesn't anyone besides me think this is wrong? How is this possible? I need help and have attached my info from Navient. I have also signed up again for rate reduction, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been doing this rate reduction for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous","date_sent_to_company":"2019-09-30T00:06:33.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"87144","tags":null,"has_narrative":true,"complaint_id":"3390092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-09-29T23:51:32.000Z","state":"NM","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I need <em>help</em> and have attached my info from Navient. I have also signed up again for <em>rate</em> <em>reduction</em>, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been <em>doing</em> this <em>rate</em> <em>reduction</em> for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous"]},"sort":[25.705194,"3390092"]},{"_index":"complaint-public-v1","_id":"2143144","_score":25.553902,"_source":{"product":"Student loan","complaint_what_happened":"I started a XXXX in XXXX ( XXXX ) I had to apply through the school to get a XXXX now Navient private loan in order to attend. I added my mother and stepfathers information online as cosigners at the time. Due to a medical situation I had I was forced to leave school and needed XXXX. In XXXX my home went into forclosure went through a divorce, my mother ( co signer was let go from her job ) had her assets repossessed lost part of property and now she is collecting social security. The XXXX school closed in XXXX. I have been going through financial hardship with my XXXX children since. I have however contacted XXXX/Navient several times to make arrangements so I am not digging myself further into debt and not late. I was place on a rate reduction program which was difficult for me but has worked I submitted each payment on time every month. The rate reduction plan is good for 12 months after that time is up my payments and rate increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what help or programs are available to me. In XXXX Navient approved a rate reduction at 5 % then with in the same week denied a me stating I should be able to afford my rate with my co signer.I have all my medical and financial documentation I am asking to lower my rate so I can afford to pay this loan off I have made every attempt to try and have successfully made payments on time I do not understand why any company would make it so difficult to help someone willing to pay there loan. I do not know what options I have and no one is willing to guide me in the direction I need to take care of this matter. My family and my situation has changed drastically since I received this loan going back to the school is not a option since they have closed. I am requesting help at this point I just need to know what to do so I do not put my family in any more financial distress.","date_sent_to_company":"2016-10-02T15:52:12.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"08012","tags":null,"has_narrative":true,"complaint_id":"2143144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-10-02T15:52:12.000Z","state":"NJ","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["I was place on a <em>rate</em> <em>reduction</em> <em>program</em> which was difficult for me but has worked I submitted each payment on time every month. The <em>rate</em> <em>reduction</em> plan is good for 12 months after that time is up my payments and <em>rate</em> increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what <em>help</em> or <em>programs</em> are available to me."]},"sort":[25.553902,"2143144"]},{"_index":"complaint-public-v1","_id":"4317326","_score":25.329971,"_source":{"product":"Student loan","complaint_what_happened":"New Complaint : Repayment Plan reflects Extended Repayment Plan-Principal and Interest I've been paying my Standard Repayment since XX/XX/XXXX. I signed up for the Navient 's Rate reduction Program in XXXX and their Customer Service Rep ( CSR ) Supervisor just informed me today that under the Rate Reduction Program, the CSR has the option to reduce your payment for a selected timeframe or extend the term duration on the loan in order to get the payment lower. I was informed that in order to refinance my loan to get a lower payment, I would have to refinance my loan with another lender since Navient does not offer refinancing options on Private Student loans. Now as a consumer, it appears that my loan was negligently managed by Navient and I may be stuck with paying for their mistake. I've asked about refinancing my loan and I was informed that those options are not available for Private Student Loans. Now, I need clarity on if you currently don't offer those services on Private Student Loans, how can you extend the Repayment terms? I was informed that their are programs that Navient offer for financial hardships and the Rate Reduction Program is what I was introduced too. \n\nAt the time of enrolling into the Rate Reduction Program, the CSR is required to inform the consumer that the term will be extended but I only agreed to the Rate Reduction Program and not an extension of my Contract Repayment terms. I explained to the supervisor on XX/XX/XXXX, I only agreed to the Rate Reduction Program to lower my payment for a period of time and not to extend the term of my loan. I explained to the supervisor that I am requesting the call to from XXXX to be pulled to validate that I agreed to the Extended Repayment Plan. \n\nI asked the supervisor if an error is found that Navient extended my terms without my consent, will they reduce the remaining terms and dissolve the increase in my payment? The supervisor stated, \" Your payment would be increased and you would be responsible for paying the increase. '' That is unfair to a consumer who was deceived about the pretenses of a program for financial hardships. \n\nThe supervisor agreed to have the call reviewed and provide a response back within the next 7 days but I want to file a complaint as a formality to get a documented resolution. I am requesting my terms to be reduced and any overages due to miscalculations be dissolved due to Navient 's error. \n\n\n\n\n\n\n\n\n\nInitial Complaint : XX/XX/XXXX I applied for a {$12000.00} student loan in XXXX to attend XXXX XXXX XXXX, Ga with XXXX. When I signed for this student loan, I wasnt told that this was credit base and that there was d/ifferent stipulations but that it was a federal student loan to help cover school expenses. On XX/XX/XXXX, it was transferred to Navient. I have been repaying this loan since XX/XX/XXXX without any breaks in payments and due to this variable interest rate, it has become challenging to pay this loan off. I cant refinance the loan because of my credit and I'm exhausted of attempts to refinance my loan to get a fixed rate. The balance of my loan is over $ XXXX and if I have been paying on this loan since XXXX, the loan should not still be astronomical if it originated at $ XXXX. My loan has accrued at least $ XXXX of interest and it still increasing. I have spoke with Navient about forgiving my loan but there are no alternatives. I asked about forgiveness of my loan, refinancing my loan for a fixed rate and I was educated that there is no loan forgiveness for private loans and that Navient doesn't offer refinancing options for Private loans. If I was educated back in XXXX, I would have never signed for this loan. So I'm out of options. I need some help on refinancing my private loan and I need my account researched to see if the interest was calculated accurately. I feel that my balance should be lower than it's current amount. Since I left XXXX XXXX XXXX, GA, I have accomplished two ( 2 ) XXXX, one ( 1 ) XXXX and two ( 2 ) XXXX XXXX from XXXX XXXX. I have accumulated over $ XXXX in student loans just to find an eligible job that will pay a decent salary. I had to defer my {$1000.00} payments to pay down other debt just to have the ability to refinance my student loan and that is taking some time. So I need all the help. I am covered in student loan debt. Please help me. What are my alternatives?","date_sent_to_company":"2021-04-21T22:00:03.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"357XX","tags":null,"has_narrative":true,"complaint_id":"4317326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-04-21T21:09:47.000Z","state":"AL","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I was informed that their are <em>programs</em> that Navient offer for financial hardships and the <em>Rate</em> <em>Reduction</em> <em>Program</em> is what I was introduced too. \n\nAt the time of enrolling into the <em>Rate</em> <em>Reduction</em> <em>Program</em>, the CSR is required to inform the consumer that the term will be extended but I only agreed to the <em>Rate</em> <em>Reduction</em> <em>Program</em> and not an extension of my Contract Repayment terms."]},"sort":[25.329971,"4317326"]},{"_index":"complaint-public-v1","_id":"4325046","_score":25.155651,"_source":{"product":"Student loan","complaint_what_happened":"I have received 15 phone calls between Wednesday XX/XX/XXXX and Friday XX/XX/XXXX. I finally called the number back at about XXXX to see what they wanted and who they were since they werent leaving any voicemails. I called them back a second time, this time with my wife being on the phone with me to help deal with the issue. \n\nI was active duty military from XX/XX/XXXX to XX/XX/XXXX and then was active reserves from XX/XX/XXXX to XX/XX/XXXX. They do not have a military policy listed, I would of had to call a separate number to discuss any kind of program to be put on. I had both federal loans ( 8 ) and private loans ( 2 ) with this particular lender. I do not know why I was only able to take out 8 federal loans and the last 2 loans needed to be private. My payments went towards the federal loans first and they are all paid off. The last 2 loans were private. Why the federal loans were paid off before the private loans, I dont know. I just made the payments and Navient applied them there is also several fees applied to my loans which I do not understand along with terms like resale, reversed payment, forbearance payment and adjustment. There is even a late charge for one month of {$100.00} on a principal amount of {$8300.00}. \n\nI briefly qualified for their income based repayment plan and then was kicked off without notice. I went back to school in XXXX of XXXX to further my education and just graduated during the pandemic. As of Wednesday XX/XX/XXXX to today Friday XX/XX/XXXX I had received a total of 15 phone calls. The 15th phone call happen while I was on the phone with a representative of Navient. Was told while on the phone with the representative that I had called back in time before they reported everything to the credit bureaus. The representative put me on a, what I thought was a rate reduction program, but was put on an interest only payment program. The website specifically states that the rate reduction program is good for 6 months whereas the interest only program does not. I agreed to this program and hung up with the representative. After discussing all this information with my wife, we ended up calling back Navient and discussing other options that are listed on the website. The representative we were talking to the 2nd time eventually transferred us to a supervisor/manager to which we were going round in circles to get a much better explanation on why I wasnt able to qualify for Term and Rate Modification Program. All the supervisor/manager would keep saying that is these programs do not apply to me. \n\nWhile talking to representative and supervisor/manager we kept asking what the qualifications were for these programs and the representative kept on saying that she had a bad connection and couldnt hear me and was still unable to answer the questions which then she transferred me to the supervisor/manager. I was told that there was no grace period after graduation and needed to start paying immediately. I was informed that I didnt qualify for the Rate Reduction Plan even after the last representative from the very first call said I did, and then was told that I was put down for an Interest Only Plan which was not told to me. I requested numerous times documentation as to why I dont qualify for these plans and what the qualifications for these plans were and the supervisor/manager said that he does not have that kind of form letter. I stated to him that I was not asking for a form letter but documentation of why I did not qualify for these programs that are offered. Supervisor/manager said that each case is dependent on several things and figured out on a personal basis. However he was not able to give me any qualifications or tell me anything personal regarding my case as to why I didnt qualify. I also asked for a printed copy of my payments and documentation of when I was on the Rate Reduction Plan and they did not think they could get that information either. \n\nI was falsely told I was on an Income Based Payment Plan when that was a Rate Reduction Plan for 6 months and then told today ( XX/XX/XXXX ) I was on a Rate Reduction Plan when they entered in the notes as an Interest Only Plan. My interest continues to increase to a now 9.75 % There website does not clarify any qualifications for any of these programs and neither can the customer service or management. They also stated they do not have documentation of this. How is this fair to me and any other borrower. If I was able to be on the rate reduction program I would not be in the spot of struggling with payments like I am. \n\nUpon further review of my loan details and history of my federal loans and private loans that I have with Navient, my wife noticed some pretty HUGE discrepancies with the private loans on how dollar amounts dont add up.","date_sent_to_company":"2021-04-23T21:56:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"56201","tags":"Servicemember","has_narrative":true,"complaint_id":"4325046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-04-23T21:47:18.000Z","state":"MN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["The representative put me on a, what I thought was a <em>rate</em> <em>reduction</em> <em>program</em>, but was put on an interest only payment <em>program</em>. The website specifically states that the <em>rate</em> <em>reduction</em> <em>program</em> is good for 6 months whereas the interest only <em>program</em> <em>does</em> not. I agreed to this <em>program</em> and hung up with the representative. After discussing all this information with my wife, we ended up calling back Navient and discussing other options that are listed on the website."]},"sort":[25.155651,"4325046"]},{"_index":"complaint-public-v1","_id":"1797026","_score":24.87616,"_source":{"product":"Student loan","complaint_what_happened":"I went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. \n\nFor five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. \n\nI 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. \n\nPlease help me.","date_sent_to_company":"2016-02-22T03:59:11.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"1797026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-02-22T03:59:10.000Z","state":"VA","company_public_response":null,"sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["I <em>do</em> n't want this to be the rest of my life. I <em>do</em> n't want to die alone. \n\nPlease <em>help</em> me."]},"sort":[24.87616,"1797026"]},{"_index":"complaint-public-v1","_id":"2864582","_score":24.701698,"_source":{"product":"Student loan","complaint_what_happened":"Im on a rate reduction program with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How does your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to help me. They are not willing to help me. Is there other options like income based options? I literally was offered no help and when I call I get a different answer every time. This company is terrible to work with. Do you know of other companies that I can go with or help with this??","date_sent_to_company":"2018-04-04T14:16:18.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"55068","tags":null,"has_narrative":true,"complaint_id":"2864582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-04-04T13:56:17.000Z","state":"MN","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["Im on a <em>rate</em> <em>reduction</em> <em>program</em> with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How <em>does</em> your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to <em>help</em> me. They are not willing to <em>help</em> me. Is there other options like income based options?"]},"sort":[24.701698,"2864582"]},{"_index":"complaint-public-v1","_id":"3272983","_score":24.70078,"_source":{"product":"Student loan","complaint_what_happened":"I have been struggling for years with Navient to lower my payments to something I can afford in regards to my private loan. I have managed to work with them after 4-5 years and using ALL of my forbearances to get in their what they call rate reduction program. At one point, they even XXXX up my payments during the program. Now my payments are going up. And they say it is to match what was on my promissory note. I went from paying XXXX  something, to XXXX and change, to now XXXX for the next 6 months and I am afraid I will not be eligible for their program. When I went to renew, I wasn't even allowed to use a forbearance because they made me use them all in the course of the 4-5 years I argued with them to lower my payments because I could not afford almost XXXX a month after I graduated and didn't have a job. I have also tried to get my father released as a co-signed as he is XXXX and does not work and the only income he has is his SSD. I have  countlessly explained this to Navient AND made on time payments using the rate reduction program and they said he can not be released but i have proven to make payments ALONE without his help and I don't want them coming after his SSD.","date_sent_to_company":"2019-06-12T18:57:46.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"34668","tags":null,"has_narrative":true,"complaint_id":"3272983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-06-12T18:29:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["I have also tried to get my father released as a co-signed as he is XXXX and <em>does</em> not work and the only income he has is his SSD. I have  countlessly explained this to Navient AND made on time payments using the <em>rate</em> <em>reduction</em> <em>program</em> and they said he can not be released but i have proven to make payments ALONE without his <em>help</em> and I don't want them coming after his SSD."]},"sort":[24.70078,"3272983"]},{"_index":"complaint-public-v1","_id":"2855892","_score":24.691233,"_source":{"product":"Student loan","complaint_what_happened":"Before entering repayment, I've attempted to contact various Sallie Mae reps in order to inform them of my current financial status and my inability to afford my projected monthly loan payments. Having recently graduated from college, I've started working professionally in an entry level position with an entry level salary. In addition to this loan, I still have other student loans that I need to pay back along with my general cost of living expenses. I am currently under a burden of loans and am hoping to find a flexible repayment option that I can afford to stay on top of while starting to pay back my debt. I have called numerous times and have only been offered a deferment ( which will make my situation much worse and even further from being affordable in the long run ) and a Graduated Repayment Plan ( which will decrease my loan $ XXXXmonth for the next year but will increase them significantly in one year 's time ). As you can see, neither of these options are logical in my objective to pay back my Sallie Mae loans in a manner that does not endanger my ability to afford to live. I am aware that Sallie Mae offers a rate reduction program but was informed over and over again that I would not be able to discuss that option until I became a delinquent on payments. I am trying my very best to be proactive about paying this loan off as soon as I could possibly afford to but the very nature of this statement hinders that. Before I can even attempt to try to come to a resolution with the servicer, I must start missing payments ; an action that will only push me further into debt and will damage my credit score as well as jeopardize the credit of my co-signers. I have attempted to ask them for help but, having children of their own, they can not afford to help me make this high monthly payments either. I'm hoping to speak to someone about a rate reduction program, income based repayment program, or any other option that will help me make this loan affordable for my current situation. \n\nI've attached my call log notes from three of my conversations with Sallie Mae reps in the documents field and pasted a copy here : On Wednesday, XX/XX/XXXX XXXX I spoke to a Sallie Mae Representative named XXXX . I requested to speak to someone from the collections department but XXXX informed me that I couldnt do that until Ive missed a payment. I explained my financial situation to XXXX and my desire to figure out how to lower the interest rate or take other means to lower the monthly payments. XXXX, instructed me of two options : Forebearance and a Graduated Repayment Plan that would lower my monthly payments by approx {$150.00}. I inquired about a rate reduction program or any kind of income driven repayment options that might be available to me. XXXX informed me that the only the collections department could exercise those options and I couldnt speak to them until I started missing payments. I thanked XXXX for the information and told him that I would go over the information presented to me and would give them a call back before I entered repayment. Important to note : XXXX informed me that my first bill due was XX/XX/XXXX despite my web profile reflecting a date of XX/XX/XXXX XX/XX/XXXX XXXX XXXX is the name of the rep. Stated I have an option for a Graduated Repayment Plan as an option for a year. Currently my monthly payments are at $ XXXXmonth. Pulled up call log and re-stated the options that were given to me. Asked if it still wasnt enough? Then put me on a brief hold again. Did you reach out to co-signer : Yes, I have. Re-stated options that were already stated. Suggest enroll in graduated repayment and try to make the payments best to my ability and if accounts fall past due and collections rep will reach back out to you. Graduated repayment call service number ( XXXX ). XXXX XXXX number is XXXX XXXX XXXX ext. XXXX. \n\n\n\nXX/XX/XXXX XXXX XXXX XXXX typically cant speak to collections until your account is passed due. Cant speak to collections because my account is in good standing checking to see if theres anything else they can offer. Explained to them my inability to afford high payments and my need to chat with someone about any rate reduction programs that they may offer. Same three options. Rate Reduction Program only with collections department. \nConfirmed existence of rate reduction program. The need to go over finances with a collections agent, etc","date_sent_to_company":"2018-03-28T07:49:56.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"2855892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2018-03-28T03:23:39.000Z","state":"TX","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I have attempted to ask them for <em>help</em> but, having children of their own, they can not afford to <em>help</em> me make this high monthly payments either. I'm hoping to speak to someone about a <em>rate</em> <em>reduction</em> <em>program</em>, income based repayment <em>program</em>, or any other option that will <em>help</em> me make this loan affordable for my current situation."]},"sort":[24.691233,"2855892"]},{"_index":"complaint-public-v1","_id":"2799496","_score":24.068275,"_source":{"product":"Student loan","complaint_what_happened":"I called Navient to reapply for the Rate Reduction Program I have been in for three years and was denied because of my cosingers information. My cosigner told Navient he is retired and does not have any income, in addition he does not have any social security money coming in as he is not yet XXXX. I have paid the amount due on my loan faithfully for three years and have never missed a payment. If my cosigners are retired and have no income, they can not pay their bills and afford to help me pay mine, which is what my cosigner explained to Navient. I am trying to give Navient money for my loan, but they are making it incredibly difficult to do so. I have been in this program for three years and have never had an issue reapplying.","date_sent_to_company":"2018-01-31T20:13:10.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"29673","tags":null,"has_narrative":true,"complaint_id":"2799496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-01-31T20:02:05.000Z","state":"SC","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I called Navient to reapply for the <em>Rate</em> <em>Reduction</em> <em>Program</em> I have been in for three years and was denied because of my cosingers information. My cosigner told Navient he is retired and <em>does</em> not have any income, in addition he <em>does</em> not have any social security money coming in as he is not yet XXXX. I have paid the amount due on my loan faithfully for three years and have never missed a payment."]},"sort":[24.068275,"2799496"]},{"_index":"complaint-public-v1","_id":"6138687","_score":23.870672,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a reduction in pay at the beginning of XX/XX/XXXX. I contacted Capital One and told them of my hardship and asked for assistance with lowering the interest rate to reduce my payment. I was told the only thing they could do is allow me to skip a payment. I called again in the middle of XXXX and again, received no help. At the end of XXXX, I was laid off. I called Capital One, informing them of my job loss and once again asked for a reduction in the interest rate and was told they couldn't help me. Unfortunately, I was not able to make my payment that was due on XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with a representative who advised me that Capital One does not offer a hardship program. I should contact a debt consulting company to negotiate on my behalf. I said that was ridiculous, I am the consumer. I have been with Capital One for years and never missed a payment. I also advised her that the other credit card companies I contacted within minutes helped me to lower my payments. The representative told me that I would get a call from a manager ; however, I never received a call. I find it disturbing that Capital One refuses to help me and eventually, I will not be able to make my payment and the first time in my life my credit will be destroyed.","date_sent_to_company":"2022-10-29T04:06:35.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"6138687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-10-29T03:38:55.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["I called Capital One, informing them of my job loss and once again asked for a <em>reduction</em> in the interest <em>rate</em> and was told they couldn't <em>help</em> me. Unfortunately, I was not able to make my payment that was due on XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with a representative who advised me that Capital One <em>does</em> not offer a hardship <em>program</em>. I should contact a debt consulting company to negotiate on my behalf. I said that was ridiculous, I am the consumer."]},"sort":[23.870672,"6138687"]},{"_index":"complaint-public-v1","_id":"3013787","_score":23.695364,"_source":{"product":"Student loan","complaint_what_happened":"I was pursuing an XXXX XXXX program in XXXX and graduated in XXXX, just about when the economy went into a spiral. I borrowed from Navient ( formerly Sallie Mae ), as I didn't have enough income to pay my full tuition. \n\nI have been making consistent student loan payments, and was on income-based plan. When that \" program '' ended, I was told that now I have to enroll in a rate-reduction plan to keep up with payment. \n\nUp until XXXX of this year, I was in the rate-reduction plan, and I was contacted by Sallie Mae about the program ending in XXXX. I immediately went through the information sharing process, in which a representative took all my information to do a financial analysis, and stated that an electronic document will be sent to me to review and sign. On XX/XX/XXXX, I signed the statement and followed up with Navient a few days later to learn that everything was \" set up '' and the rate reduction plan will continue. \n\nI made consistent payments in XXXX, XXXX, and XXXX. For the last few days, Navient has been calling me again to tell me that my interest rate has jumped from 3 % to 9 % ( supposedly from XXXX ). When I inquired about why, I was informed that \" Well, when you signed up for this loan, you agreed to pay whatever interest we charge. We don't have any obligation to keep your payments or interests low ''. \n\nAt which point, I reiterated that I had signed up for the rate reduction plan in XXXX, and the representative ( supposedly a supervisor ) says that he sees the document in the system, but it was never set up and there is record that I spoke to someone. I said, \" how do you think I managed to sign a financial statement if I didn't talk to someone. It's not like I downloaded that form from the website '', and the representative said that I was essentially arguing about a computer system, and there is nothing he can do. \n\nAfter a brief back-and-forth, he said that he has put my information as a \" complaint '' status and it will be reviewed by an internal team and they will get back to me. \n\nI asked him if I need to make the previous payment during the investigative process, to which he stated, \" No, you don't need to. Until we find out what happened, you don't need to. '' I further inquired, \" But if my payment is delinquent, you will report this to my credit '', and he stated \" Oh we won't. You have until XX/XX/XXXX. By that time we will figure this out and then you can make the payment. '' This is not the first time Navient has pulled this stunt with me ( and I know of other borrowers who experienced this ). They arbitrarily changed my loan terms, because they are informing me that I signed up for a variable interest rate. They are consistently lying about their programs, the payment options they have to extort more payment out of students. I am certain that I am not the only person who had to deal with their \" rate reduction '' program, only to find out one fine morning that your payment has jumped up by 40 %. \n\nNavient, just like its predecessor Sallie Mae, is one of the worst entities that exists. It's not a matter of contention that they are predatory lenders, who have lied to and cheated millions of students in this country, and thanks to our lawmakers, they still continue to get away with it. \n\nI am a fixed-income household, with XXXX young children, and one of them with a learning XXXX who requires significant time and resources. My wife and I have never filed for bankruptcy, have never intentionally delayed our payments, and we have always taken care of our debt obligations. But Navient is a recurring and ever-metastasizing cancer. Absolutely nothing that I do or can do to fight against them. But you can. \n\nPlease help.","date_sent_to_company":"2018-09-08T13:25:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"11590","tags":null,"has_narrative":true,"complaint_id":"3013787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-09-08T12:48:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Absolutely nothing that I <em>do</em> or can <em>do</em> to fight against them. But you can. \n\nPlease <em>help</em>."]},"sort":[23.695364,"3013787"]},{"_index":"complaint-public-v1","_id":"18344598","_score":23.649622,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have an auto loan with Ally Financial with a 25 % APR. The vehicle price was about {$18000.00}, but the amount financed is over {$22000.00}. I have been making payments on time since XX/XX/year>, XXXX late payment recently and the XXXX is no longer affordable. \n\nI contacted Ally to request help lowering the XXXX or modifying the loan due to financial hardship. I asked for information about any hardship programs, XXXX reduction programs, or internal refinance options. Ally told me they do not reduce XXXX under any circumstances and that the interest rate is between me and XXXX, even though Ally owns and services the loan. I was told to refinance elsewhere. \n\nI personally requested a payment extension on my own because I can no longer afford the 25 % XXXX. Ally did not offer any solution other than telling me to refinance with another company. \n\nI believe this is unfair and predatory. I am requesting assistance with an XXXX reduction, loan modification, or other reasonable solution so I can keep the account in good standing.","date_sent_to_company":"2025-12-29T17:36:23.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"94124","tags":null,"has_narrative":true,"complaint_id":"18344598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-12-29T17:19:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["I contacted Ally to request <em>help</em> lowering the XXXX or modifying the loan due to financial hardship. I asked for information about any hardship <em>programs</em>, XXXX <em>reduction</em> <em>programs</em>, or internal refinance options. Ally told me they <em>do</em> not reduce XXXX under any circumstances and that the interest <em>rate</em> is between me and XXXX, even though Ally owns and services the loan. I was told to refinance elsewhere."],"sub_issue":["Problem with the interest <em>rate</em>"]},"sort":[23.649622,"18344598"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":216,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":216}]}},"product":{"doc_count":216,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":107,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":65},{"key":"Non-federal student loan","doc_count":25},{"key":"Federal student loan servicing","doc_count":17}]}},{"key":"Mortgage","doc_count":78,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":33},{"key":"Conventional fixed mortgage","doc_count":15},{"key":"FHA mortgage","doc_count":12},{"key":"VA 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