{"took":86,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":51,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3869166","_score":34.075275,"_source":{"product":"Student loan","complaint_what_happened":"This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. \n\nISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? \n\nERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. \n\nIt was previously determined that ERS provides \" public safety ''. One response stated that it was not it's \" primary purpose ''. In light of COVID ERS been determined to be an \" essential service ''. Public Safety is the essence of ERS. \n\nI have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached.\n\nEvery response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. \n\n\n\nYour complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded","date_sent_to_company":"2020-09-26T13:22:34.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"63011","tags":null,"has_narrative":true,"complaint_id":"3869166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2020-09-26T12:57:55.000Z","state":"MO","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling"],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"],"sub_issue":["Can't get other flexible options for repaying your loan"]},"sort":[34.075275,"3869166"]},{"_index":"complaint-public-v1","_id":"12048138","_score":27.249193,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX Federal student loan Struggling to repay your loan Nelnet * This complaint was closed because the company responded. However, the attachment that they sent with the response is unable to be opened. Therefore, I DO NOT have a response. Please look to see if it was sent to you as a true attachment that you can forward to me OR if there is no attachment. In that case, I would need you to send the complaint again for a response that can actually be read. \nThank you, XXXX XXXX","date_sent_to_company":"2025-02-14T00:34:16.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"12048138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-02-14T00:08:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Federal student loan Struggling to repay your loan Nelnet * This complaint was closed because the company responded. However, the attachment that they sent with the response is unable to be opened. Therefore, I DO NOT have a response. Please look to see if it was sent to you as a true attachment that you can forward to me OR if there is no attachment. In that case, I would need you to send the complaint again for a response that can actually be read. \nThank you, XXXX XXXX"],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"]},"sort":[27.249193,"12048138"]},{"_index":"complaint-public-v1","_id":"1899705","_score":25.218454,"_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 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."],"product":["Student loan"],"issue":["Can't repay my loan"],"sub_product":["Non-federal student loan"]},"sort":[25.218454,"1899705"]},{"_index":"complaint-public-v1","_id":"2559220","_score":25.214277,"_source":{"product":"Student loan","complaint_what_happened":"I am having multiple difficulties in re-paying my student loan. Its been 17+ years since I have completed my XXXX degree. At the time of graduation, finding a job proved to be difficult for a recent graduate without very much work experience. So, at that time, I had to request a forbearance on my student loans. I also went through phases in consolidating my loans to XXXX XXXX XXXX XXXX to make the repayment process go smoother. Intermittently through out the last 17 years I have made payments on my student loan which initially amounted to $ XXXX. However, with all the forbearance actions I was not under the impression that my loan would be capitalized when I was applying for extensions due to the amount of the loan and the re-payment plans available. My loan amount has almost doubled at $ XXXX. So, as time went on I have taken advantage of the Public Student Loan Forgiveness Program since I have been working for the Federal Government for 17 years. My agency was not generous as what people might think about granting tuition assistance or re-paying their employee 's student loans as part of a recruiting and retention program. So, as I struggle to pay back the loans, the PSLF program has offered a way for me to complete. Anyways, what I did not know and felt deceived is the number of payments on my account that were not credited. My loan originated with the XXXX XXXX XXXX and was transferred to XXXX XXXX & XXXX. Only a portion ( 8 ) payments from XXXX within the last year before I applied to the PSLF program were accepted and counted against my PSLF from the past 15 years. I also did not realize that if you are one day late in making your payment, that payment is n't credited as well. So, with this I feel robbed that all the payments I have made are not being credited properly and therefore caused to make more payments than what is needed for forgiveness in this plan. As time goes on and with my limited income with the Government being politicized it feels that the struggle to make my student loan payment is worse. I have tried to work with my lender, the thing is I am hearing impaired and the preferred method of contact is by email. My lender 's customer service is not receptive and often times my inquiries are not being acknowledged for weeks or sometimes not at all.","date_sent_to_company":"2017-06-26T21:03:40.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"84096","tags":null,"has_narrative":true,"complaint_id":"2559220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-06-26T20:39:38.000Z","state":"UT","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["So, as time went on I have taken advantage of the Public Student Loan Forgiveness Program since I have been working for the Federal Government for 17 years. My agency was not generous as what people might think about granting tuition assistance or re-paying their employee 's student loans as part of a recruiting and retention program. So, as I struggle to pay back the loans, the PSLF program has offered a way for me to complete."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Federal student loan servicing"]},"sort":[25.214277,"2559220"]},{"_index":"complaint-public-v1","_id":"2627604","_score":24.923115,"_source":{"product":"Student loan","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan Issue : Struggling to repay your loan - my wife is still on XXXX and they forgive her loan not able to work. I asked for the same thing when we went into bk and struggle to discharge in XXXX XXXX after 5 years of struggling and trying to get back on our feet. I File back in XXXX after this loan appeared in our Bankruptcy -Navient XXXX # XXXX unsecured /late filed XXXX/XXXX/XXXX XXXX is when my son paid off his small balance of XXXX 3 years ago, but sent me a booklet with stating your forbearance has been approved which I never requested or spoke to any rep from Navient and it on our bankruptcy file if needed to see it. Plus I filed again and got Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Action taken : COMBINED WITH DUPLICATE COMPLAINT XXXX Product : Student loan Issue : Struggling to repay your loan, no one email or call or spoke with me with 1 days or 60 days but letter is date XXXX/XXXX/XXXX? stated your first payment of XXXX due XXXX XXXX XXXX with booklet thru XXXX XXXX XXXX? Fraud and wrong person and my son did n't sign a loan and why would he with drawed way before the end of the semester? With his job he do not make a lot of money and his wife only works part time with XXXX kids so his credit and maybe his income was affected by this and please make sure this does n't hit my credit which damage after discharging from XXXX XXXX XXXX. I responded to your Consumer Financial Protection Bureau inquiry on XXXX XXXX, XXXX nothing done. I will send you more information, but did you receive any information from CFPB. based on me and my wife are currently in a Chapter XXXX, there was has been no contact before we filed 4 years ago about student loans or option to forgiveness or disputes the excessive charges /interest or payments I sent seem to be applied by XXXX XXXX and fraud by our College in receiving these loans when we both were on Full term Basketball Scholarships? We have disputes this since XXXX. I sent more information this is her ( Response -- XXXX XXXX, We received the complaint but was unable to locate any information regarding the loans you mention and was unable to view the attachment you included. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX Ext. XXXX But the Navient loan filed in our Chapter XXXX Bk was a loan for our son who attended XXXX XXXX University for only 3 months withdrawn on XXXX XXXX .and he only had a XXXX bill for books part dorm room which was paid over the 3 years with interest over XXXX and have proof .This loan is for XXXX disbursed XXXX/XXXX/XXXX .when he was there and never filled out a loan for that amount or did I do a student parent loan with me having a fraud loan on my credit for XXXX back in XXXX? I would like to file with the class action lawsuit, one for fraud and adding my son information to a BK, illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; Please add me and I will have my son file a complaint to added to the lawsuit. We call the school 3 years ago he did n't owe anything, This company needs to be stop. Sharing his information, ( NPI act ) and attached it to our bankruptcy, making seem like we whole this debt. my question where is did the funds go XXXX?","date_sent_to_company":"2017-08-15T05:41:31.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"2627604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-08-15T03:44:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan Issue : Struggling to repay your loan - my wife is still on XXXX and they forgive her loan not able to work. I asked for the same thing when we went into bk and struggle to discharge in XXXX XXXX after 5 years of struggling and trying to get back on our feet."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Federal student loan servicing"],"sub_issue":["Received bad information about your loan"]},"sort":[24.923115,"2627604"]},{"_index":"complaint-public-v1","_id":"11749835","_score":24.332493,"_source":{"product":"Student loan","complaint_what_happened":"I graduated from XXXX XXXX in 1997, which is XXXX years ago, and despite my best efforts to meet my loan obligations, I have been unable to repay my student loans in full. Over the past XXXX years, I have encountered multiple life challenges that have made it extremely difficult for me to maintain regular payments My financial situation became particularly strained when I had to file for bankruptcy and then my ex-husband was incarcerated. As the sole provider for my family during that time, I was faced with the heavy responsibility of supporting my children and myself. Despite working multiple jobs, including pursuing a career in teaching, the compensation was insufficient to cover both my living expenses and my student loan payments. As a result, I was forced to explore alternative job paths in order to provide for my family, but unfortunately, these jobs did not offer enough financial stability to allow me to continue paying off my loans. \n\nIn addition to the hardship of being a single provider, I have struggled with the long term consequences of the economic turndown and rising living cost, sending children to school, which have further impeded my ability to meet financial obligations. While I have worked diligently to manage my finances and pay off my student loans, the burden has been overwhelming. \n\nGiven my long history of financial struggles, coupled with my sincere commitment to rebuilding my financial future, I am requesting loan forgiveness or relief under any hardship programs. I am hopeful that with your support I can begin a new chapter of financial freedom, as I am committed to improving my situation and achieving greater financial stability in the future. \n\nI, thank you for your time and consideration of my request. I look forward to your understanding and hope for a favorable resolution to my case. \n\nSincerely.","date_sent_to_company":"2025-01-22T17:55:44.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"85326","tags":null,"has_narrative":true,"complaint_id":"11749835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2025-01-22T17:20:27.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["I graduated from XXXX XXXX in 1997, which is XXXX years ago, and despite my best efforts to meet my loan obligations, I have been unable to repay my student loans in full. Over the past XXXX years, I have encountered multiple life challenges that have made it extremely difficult for me to maintain regular payments My financial situation became particularly strained when I had to file for bankruptcy and then my ex-husband was incarcerated."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"]},"sort":[24.332493,"11749835"]},{"_index":"complaint-public-v1","_id":"2162867","_score":24.229418,"_source":{"product":"Student loan","complaint_what_happened":"To whom it may concern ; I 've some concerns regarding my current student loans and came across your web site thinking you might give me some direction to my quandary. \nStudent loan servicers, whether for-profit, not-for-profit or government agencies, should be accountable for serving borrowers fairly, efficiently and effectively. The \" Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated \" fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, \" are held accountable for their conduct ''. \nBut I find that this is inaccurate - Loan servicers do n't apply repayment funds equitably to the interest and the principle balance, such as in a home mortgage. This is unfair practice that keeps the borrower in debt for longer periods of time at greater expense on long term notes. \nI have been in repayment for some time now and found out that my loan servicer has only been applying my payment to the interest only. At this rate I will constantly accrue interest and never have the ability to pay down the principle amount, costing thousands of dollars that are charged to me unfairly. \nIs there some resolve to this mess that can give me some direction so I can feel better about paying on my loans? \nI would appreciate any guidance you can offer, A frustrated borrower","date_sent_to_company":"2016-10-17T01:09:10.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"2162867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2016-10-17T01:09:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["The \" Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated \" fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, \" are held accountable for their conduct ''."],"product":["Student loan"],"sub_product":["Federal student loan servicing"]},"sort":[24.229418,"2162867"]},{"_index":"complaint-public-v1","_id":"3155387","_score":23.49803,"_source":{"product":"Student loan","complaint_what_happened":"I have been struggling to repay my student loans. Over the years my student loan company Navient has insisted I pay more than I can afford, this has forced me to request deferments. I was unemployed for 4 years and requested deferment at that time, however when I attempted to start payments again the company insists that I pay such a large percent of my income, it makes it impossible. Right now they are insisting I pay {$1000.00} a month! I need a flexible payment plan so I can afford food, gas, tolls and rent, not to mention be able to go to the Dr. once in a while-I have not been to my PCP in over a year. I am requesting to start with a monthly payment of {$250.00} to XXXX a month and then I can increase the amount next year. If my car breaks down, I have no way to fix it and get to work with this large amount they want. They set borrowers up for failure. And on top of that the website mentions nothing about student loan forgiveness, there is no drop down box for that-I am a social worker and have been one for going on 15+ years now. The high amount they want means I can't make consistent payments to qualify for student loan forgiveness! Right now that program only allows you to get your loans forgiven if you make consistent payments for 10 years-another barrier. Please help. Thank you.","date_sent_to_company":"2019-02-18T20:51:52.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3155387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-02-18T20:38:11.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["I have been struggling to repay my student loans. Over the years my student loan company Navient has insisted I pay more than I can afford, this has forced me to request deferments. I was unemployed for 4 years and requested deferment at that time, however when I attempted to start payments again the company insists that I pay such a large percent of my income, it makes it impossible. Right now they are insisting I pay {$1000.00} a month!"],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"],"sub_issue":["Problem lowering your monthly payments"]},"sort":[23.49803,"3155387"]},{"_index":"complaint-public-v1","_id":"2406898","_score":21.747011,"_source":{"product":"Student loan","complaint_what_happened":"I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. \nMy parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.","date_sent_to_company":"2017-03-28T17:23:09.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"29681","tags":null,"has_narrative":true,"complaint_id":"2406898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-03-28T17:23:07.000Z","state":"SC","company_public_response":null,"sub_issue":"Don't agree with fees charged"},"highlight":{"complaint_what_happened":["However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task."],"product":["Student loan"],"sub_product":["Non-federal student loan"]},"sort":[21.747011,"2406898"]},{"_index":"complaint-public-v1","_id":"8968564","_score":21.627663,"_source":{"product":"Student loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of grave concern regarding fraudulent practices at the XXXX XXXXXXXX XXXX XXXXXXXX, particularly concerning student loans. As an agency dedicated to protecting consumers from financial exploitation and ensuring fair treatment in the financial marketplace, I trust that you will investigate this issue with the utmost urgency and diligence. \n\nThe XXXX XXXX XXXX XXXX has been engaging in deceptive practices that have directly impacted numerous students and their financial well-being. Specifically, the institute has been implicated in fraudulent activities related to student loans, including but not limited to : 1. Misrepresentation of Loan Terms : Many students have reported that the XXXX XXXX XXXX XXXX misled them about the terms and conditions of their student loans. This includes false promises regarding interest rates, repayment options, and eligibility for loan forgiveness programs. \n2. Falsification of XXXX and XXXX Records : There is evidence to suggest that the institute has falsified enrollment and attendance records to fraudulently obtain federal student aid on behalf of students who may not have been actively attending classes or who were enrolled in programs that did not meet federal eligibility criteria. \nXXXX. Failure to Provide Adequate Educational Services : Despite charging exorbitant tuition fees, the XXXX XXXX XXXX XXXX has failed to deliver quality educational services to its students, leaving many graduates with substantial debt and inadequate skills to secure gainful employment in their chosen fields.\n\n4. Predatory Lending Practices : The institute has been accused of engaging in predatory lending practices, targeting vulnerable students with high-pressure sales tactics to encourage them to take out loans without fully understanding the financial implications. \n\nThese fraudulent practices have had devastating consequences for students who trusted the XXXX XXXXXXXX XXXX XXXXXXXX to provide them with a quality education and support their career aspirations. Many graduates are now burdened with crippling debt and struggling to repay loans for degrees that have not yielded the promised benefits. \n\nI urge the Consumer Financial Protection Bureau to launch a thorough investigation into the XXXX XXXX XXXX XXXX 's student loan practices and take decisive action to hold the institution accountable for its misconduct. Additionally, I request that measures be taken to provide relief and assistance to affected students, including loan forgiveness and restitution for damages incurred. \n\nThank you for your attention to this matter. I remain hopeful that the Consumer Financial Protection Bureau will take swift and decisive action to protect the rights and interests of students who have been victimized by fraudulent practices in the higher education sector.","date_sent_to_company":"2024-05-09T15:29:04.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"72704","tags":null,"has_narrative":true,"complaint_id":"8968564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-05-09T15:17:16.000Z","state":"AR","company_public_response":null,"sub_issue":"High pressure sales tactics or recruiting"},"highlight":{"complaint_what_happened":["Many graduates are now burdened with crippling debt and struggling to repay loans for degrees that have not yielded the promised benefits. \n\nI urge the Consumer Financial Protection Bureau to launch a thorough investigation into the XXXX XXXX XXXX XXXX 's student loan practices and take decisive action to hold the institution accountable for its misconduct."],"product":["Student loan"],"issue":["Getting a loan"],"sub_product":["Private student loan"]},"sort":[21.627663,"8968564"]},{"_index":"complaint-public-v1","_id":"2963484","_score":21.617899,"_source":{"product":"Student loan","complaint_what_happened":"I would first like to say I have never once defaulted on my student loans nor can I recall making a late payment ( not saying it hasn't happened, I am just unable to recall at the time of composing this letter. ) I have struggled with Navient and their unfair business practices for quite some time. Their representatives have always taken on a more aggressive tone when I've outreached the company over the years of my loans being in repayment ( since XX/XX/2010 ). \nI have always needed some type of program assistance in repaying my loans. The only assistance offered over the years has been a forbearance period ( where interest continues to accrue while not being obligated to pay ) and an interest rate reduction program. While struggling to repay loans each month, i've always made due, especially when single and without the responsibility of maintaining a household. \nWhile I continue to submit my financial status on a yearly basis, lately I have grown more frustrated as it appears that Navient continues to provide a monthly repayment amount that is not conducive to my situation. What is the point in disclosing all your financial obligations to a company just for them to provide you with a figure that THEY feel is reasonable?? I am not only repaying repaying Navient for my private loans but also repaying my federal loans through a different servicer as well. Several weeks ago, I phoned Navient ( as i often do ) in effort to discuss the figure they provided following the submission of my financial status documentation, due annually. I was provided with $ XXXX/mnth. I explained to the representative if there was any way I would be able to qualify for a lower payment as it would be a great hardship in trying to make that payment each month. The representative ( in which I regret not taking his name ) stated that there was no other lower payment options available to me. I advised the representative that it wasn't the fact that i didn't want to pay, it was more of not having the funds to pay that given figure. The representative callously informed me that if i wasn't able to pay then i would simply default on my loans ( which I am aware of ) and have them sent to collections to be dealt with. I was really taken aback by the representatives remarks as that isn't the goal of anyone who cares remotely about their credit. I am maintaining a household in which I am also the \" breadwinner ''. On top of weekly daycare expenses, mortgage, car payments, utilities, groceries, medical bills, and monthly federal loans expenses, i am drowning and wish there was more that could be done in lowering my payments with Navient. It has been so frustrating with dealing with Navient regarding a plan that works for me, not just a plan that they come up with that they simply advise \" it's as low as you can go. '' In closing, this complaint is more two fold, as one sees, I am not only having issues lowering my monthly payments but also having revolving issues with the lender/servicer ( Navient ) as well.","date_sent_to_company":"2018-07-15T20:19:40.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"19720","tags":"Servicemember","has_narrative":true,"complaint_id":"2963484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-07-15T19:00:17.000Z","state":"DE","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["What is the point in disclosing all your financial obligations to a company just for them to provide you with a figure that THEY feel is reasonable?? I am not only repaying repaying Navient for my private loans but also repaying my federal loans through a different servicer as well. Several weeks ago, I phoned Navient ( as i often do ) in effort to discuss the figure they provided following the submission of my financial status documentation, due annually. I was provided with $ XXXX/mnth."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Private student loan"],"sub_issue":["Can't get other flexible options for repaying your loan"]},"sort":[21.617899,"2963484"]},{"_index":"complaint-public-v1","_id":"10445329","_score":21.44595,"_source":{"product":"Student loan","complaint_what_happened":"Dear CFPB, I am writing to formally file a complaint against Navient, a student loan servicing company, regarding their predatory and negligent practices that have significantly impacted my financial, emotional, and mental well-being.\n\nI initially took out student loans to finance my education, expecting that I would be able to repay them responsibly with the assistance of income-driven repayment plans. However, instead of being provided with information and access to such plans, I was repeatedly placed into forbearance. This decision was made without fully explaining the long-term consequences to me, resulting in an accumulation of interest and a ballooning loan balance that I simply could not afford.\n\nNavients practice of steering borrowers into forbearance rather than assisting them with income-driven repayment options has created an insurmountable financial burden for me. Despite my attempts to seek help and clarify my repayment options, I was met with inadequate guidance and support. This lack of proper assistance has led to severe financial distress, emotional turmoil, and mental stress, affecting both my personal and professional life.\n\nThe financial stress caused by Navients actions has left me struggling to make ends meet. The constant pressure to make unaffordable payments has taken a toll on my mental health, causing XXXX and XXXX. I believe that Navients actions constitute predatory lending practices, as they prioritized their financial gain over the well-being of their borrowers.\n\nGiven the circumstances, I respectfully request that my student loans be discharged. I firmly believe that Navients predatory behavior and negligent practices justify this action, as they have caused significant and unjust hardship.\n\nI appreciate your time and consideration in this matter. I am hopeful that the CFPB will take appropriate action to address these issues and provide relief to borrowers like myself who have been unfairly treated by Navient.\n\nThank you for your attention to this urgent matter.","date_sent_to_company":"2024-10-15T00:03:28.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"069XX","tags":null,"has_narrative":true,"complaint_id":"10445329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-10-14T23:58:18.000Z","state":"CT","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Dear CFPB, I am writing to formally file a complaint against Navient, a student loan servicing company, regarding their predatory and negligent practices that have significantly impacted my financial, emotional, and mental well-being.\n\nI initially took out student loans to finance my education, expecting that I would be able to repay them responsibly with the assistance of income-driven repayment plans."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Federal student loan servicing"],"sub_issue":["Received bad information about your loan"]},"sort":[21.44595,"10445329"]},{"_index":"complaint-public-v1","_id":"10855357","_score":21.056442,"_source":{"product":"Student loan","complaint_what_happened":"I have multiple student loans serviced by DEPTEDXXXX, which have been on my credit report for over a decade. These loans have been in forbearance since I graduated in XXXX, as I have been unable to secure gainful employment that would allow me to repay them. Despite this, the loans continue to negatively impact my credit report, preventing me from obtaining stable housing and even some employment opportunities, as certain employers review credit reports. \n\nHere are the relevant details of the loans : - Opened between XX/XX/XXXX and XX/XX/XXXX. \nXXXX Total balances range from {$1900.00} to {$10000.00}. \nXXXX Payments are listed as current, but the loans are still in forbearance due to my financial hardship. \n\nI have a child to support and have struggled to provide basic necessities, including housing, because these loans continue to limit my ability to qualify for assistance or improve my financial standing. I am requesting a review of whether these loans should remain on my credit report, as they have been in forbearance for over 11 years without progress, and are hindering my ability to achieve financial stability. \n\nAdditionally, I have disputed these loans on my credit report in the past, but the disputes were resolved in favor of the servicer. I am seeking assistance to find a resolution, whether through removal of the loans from my report or other remedies to address this ongoing issue. \n\nThank you for your help in addressing this matter.","date_sent_to_company":"2024-12-16T17:42:28.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"60647","tags":null,"has_narrative":true,"complaint_id":"10855357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-11-21T12:12:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with your payment plan"},"highlight":{"complaint_what_happened":["Thank you for your help in addressing this matter."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"],"sub_issue":["Problem with your payment plan"]},"sort":[21.056442,"10855357"]},{"_index":"complaint-public-v1","_id":"2674141","_score":20.511755,"_source":{"product":"Student loan","complaint_what_happened":"On XXXX/XXXX/XXXX I saw on social media that \" students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the \" Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular \" company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally \" take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a \" XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the \" program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. \nIf you are hurting/struggling to repay your loans, please use extreme caution when being offered \" to good to be true '' offers.","date_sent_to_company":"2017-09-14T23:50:41.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"06042","tags":null,"has_narrative":true,"complaint_id":"2674141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Premier Student Loan Center","date_received":"2017-09-14T23:03:32.000Z","state":"CT","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. \nIf you are hurting/struggling to repay your loans, please use extreme caution when being offered \" to good to be true '' offers."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"company":["Premier Student Loan Center"],"sub_product":["Federal student loan servicing"],"sub_issue":["Can't get other flexible options for repaying your loan"]},"sort":[20.511755,"2674141"]},{"_index":"complaint-public-v1","_id":"10348610","_score":20.413786,"_source":{"product":"Student loan","complaint_what_happened":"XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Student loan Issue Struggling to repay your loan We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \n\n\nYOUR COMPLAINT They still have not told me why I have waited 10 months to get my XXXX XXXX loans squared away. It was approved in XXXX. She did not offer an explanation for why it is taking so long. I just want this to be over with. They are dragging their feet and dancing around the issue Herr. Thanks, XXXX I have been approved for a discharge for the college at XXXX XXXX in XXXX. Nothing has happened since. Also, another college I went to, XXXX XXXX had closed. They keep saying I withdrew and was not on a leave of absence. They are lying. I kept them up to date on everything after having XXXX on both of my bicep tendons. I have sent them proof from the surgeon saying I could not lift. I was in the veterinary technician program and could not deal with animals. I need help with this. I have sent them many other documents. The fact is that they withdrew without my knowledge. I would have never agreed to that. They are being very untruthful. Thanks, XXXX","date_sent_to_company":"2024-10-04T17:02:14.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"145XX","tags":null,"has_narrative":true,"complaint_id":"10348610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-10-04T16:54:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Student loan Issue Struggling to repay your loan We received your complaint. Thank you. \nWe will review your complaint."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"]},"sort":[20.413786,"10348610"]},{"_index":"complaint-public-v1","_id":"2417051","_score":20.04407,"_source":{"product":"Student loan","complaint_what_happened":"I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not be eligible for income based repayment because it 's \" private '' nor can it be claimed under bankruptcy because it is a \" student loan. '' I was on XXXX at the time that I got these loans and having trouble making ends meet. I feel that I was pushed into it by my college, which is now defunct. I had a XXXX and to this day I continue to struggle being that I 'm not at a high paying job and I remain on state based health insurance ( XXXX and XXXX, which I pay for now ) in order to keep my XXXX going with very expensive XXXX. I have limited options in repayment and the amount due almost equals XXXX of my bi weekly paychecks leaving me little to live on. I was steered by navient into a \" lower interest rate '' plan but had no idea that doing so would not help me pay any principal at all. Also even though my payments are on time being in this low interest plan payment has limited my options and ability to have my consigned released. I was not educated as to the stipulations of these loans and it has literally ruined my life. I continue to depend on others and my family because this has tarnished my credit history. I feel as though i would have made a better choice as to not applying for these loans had I known the turmoil I 'd go through in my life due to their damage. I think they take advantage of navet of students who are trying to make ends meet while in college and not aware of the actual terms until it 's time to repay and you are out of options. Not all of us graduate from college and land a high paying position and in order to pay these back that 's what would need to happen. And especially with these sneaky loans disguised as student loans which are not really private otherwise I 'd have gone bankrupt to help my situation. I need help and I 've been hearing of a lot of lawsuits regarding this company and others going through the same or similar circumstances. Thank you for your time.","date_sent_to_company":"2017-04-04T01:54:05.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"2417051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-04-04T01:54:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["Thank you for your time."],"product":["Student loan"],"sub_product":["Non-federal student loan"]},"sort":[20.04407,"2417051"]},{"_index":"complaint-public-v1","_id":"13216150","_score":19.980858,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this complaint regarding the federal student loan forgiveness program announced by the XXXX XXXX in XXXX \n\nI applied for and was approved for up to {$20000.00} in loan forgiveness. Based on official guidance and the repeated extensions of the payment pause, I was led to reasonably believe that my balance would be reduced before repayment resumed. \n\nFollowing this official direction, I did not make payments, as federal communication indicated no payments were necessary while forgiveness was pending. However, after the program was overturned by the Supreme Court, no alternative relief or adjustment was provided to borrowers like myself who acted in good faith based on government promises. \n\nAs a result, I am now considered behind on my loans, not because of negligence, but because I trusted the guidance given at the time. I feel this situation is extremely unfair and has caused me financial and emotional stress. It has been a major mental and emotional struggle to even motivate myself to repay now, because it feels fundamentally unjust to be penalized for following what the government instructed me to do. \n\nI respectfully request that my loan account be restored to good standing without penalties or negative credit reporting. Additionally, due to the false hope provided and the harm caused by being placed into delinquency, I am formally requesting that a meaningful percentage of my loan balance be forgiven as compensation for the damage caused. \n\nBorrowers who relied on government communications should not be punished. I followed all instructions provided, and I am simply asking for fair treatment based on the promises that were made. Thank you for your urgent review and assistance.","date_sent_to_company":"2025-04-29T01:13:12.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30240","tags":null,"has_narrative":true,"complaint_id":"13216150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-04-29T01:04:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Thank you for your urgent review and assistance."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"]},"sort":[19.980858,"13216150"]},{"_index":"complaint-public-v1","_id":"13552241","_score":19.35143,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally request a full audit and review of my federal student loans and grants serviced under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe some of these funds may have been improperly disbursed or managed, and I am seeking immediate action to address these concerns. \n\nSpecifically, I am requesting the following : 1.A full audit and refund of any student loan funds that were disbursed improperly, including funds issued in connection with institutions that may have engaged in misconduct or misrepresentation.\n\n2.Reversal of any interest or fees that accrued as a result of these disbursements. \n3.A complete review of my XXXX XXXX XXXX XXXX including any amounts that were improperly retained or misapplied. \n4.A refund of any payments made during the COVID-19 emergency relief period, which should not have been collected while payments and interest were supposed to be paused. \n5.A written explanation of my legal options, including but not limited to the Borrower Defense to Repayment process, as it relates to any loans tied to potentially deceptive institutional practices. \n\nI respectfully request that this matter be handled with urgency and that I receive a written response detailing the outcome of your review and the next steps available to me.I am submitting this application for Borrower Defense to Repayment based on misrepresentations made by XXXX University and XXXX University. \n\nAt both institutions, I was led to believe that my degrees would significantly enhance my career prospects and earning potential. I relied on these promises to justify the cost of tuition and to take out federal student loans and accept federal grants. However, after graduation, I found that my degrees did not offer the return on investment I was led to expect. \n\nSpecifically : XXXX University promoted programs with promises of high job placement rates and strong starting salaries. However, after graduating, I struggled to find employment in my field and was offered positions that did not require a degree or that paid significantly less than advertised outcomes suggested. \nXXXX University provided misleading information about the transferability and value of credits, as well as support services and career placement resources that were either unavailable or ineffective. This made it difficult to gain relevant employment, leaving me with debt but no realistic path to repay it. \n\nI am including documentation from the National Student Loan Data System ( NSLDS ) that lists all my federal loans and grants, including those associated with both institutions. \n\nBased on the misrepresentations made by XXXX University and XXXX University and the resulting financial harm, I respectfully request full discharge of my federal student loans under the Borrower Defense to Repayment provisions.","date_sent_to_company":"2025-05-16T13:41:32.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"463XX","tags":null,"has_narrative":true,"complaint_id":"13552241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-16T13:29:49.000Z","state":"IN","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["This made it difficult to gain relevant employment, leaving me with debt but no realistic path to repay it. \n\nI am including documentation from the National Student Loan Data System ( NSLDS ) that lists all my federal loans and grants, including those associated with both institutions."],"product":["Student loan"],"issue":["Struggling to repay your loan"],"sub_product":["Federal student loan servicing"]},"sort":[19.35143,"13552241"]},{"_index":"complaint-public-v1","_id":"13685398","_score":18.842283,"_source":{"product":"Student loan","complaint_what_happened":"o Whom It May Concern, I am writing to formally request a full audit and review of my federal student loans and grants serviced under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe some of these funds may have been improperly disbursed or managed, and I am seeking immediate action to address these concerns. Specifically, I am requesting the following : 1. A full audit and refund of any student loan funds that were disbursed improperly, including funds issued in connection with institutions that may have engaged in misconduct or misrepresentation. 2. Reversal of any interest or fees that accrued as a result of these disbursements. 3. A complete review of my Pell Grant funds, including any amounts that were improperly retained or misapplied. 4. A refund of any payments made during the COVID-19 emergency relief period, which should not have been collected while payments and interest were supposed to be paused. 5. A written explanation of my legal options, including but not limited to the Borrower Defense to Repayment process, as it relates to any loans tied to potentially deceptive institutional practices. I respectfully request that this matter be handled with urgency and that I receive a written response detailing the outcome of your review and the next steps available to me.I am submitting this application for Borrower Defense to Repayment based on misrepresentations made by XXXX XXXX and XXXX XXXX. At both institutions, I was led to believe that my degrees would significantly enhance my career prospects and earning potential. I relied on these promises to justify the cost of tuition and to take out federal student loans and accept federal grants. However, after graduation, I found that my degrees did not offer the return on investment I was led to expect. Specifically : XXXX XXXX promoted programs with promises of high job placement rates and strong starting salaries. However, after graduating, I struggled to find employment in my field and was offered positions that did not require a degree or that paid significantly less than advertised outcomes suggested. XXXX XXXX provided misleading information about the transferability and value of credits, as well as support services and career placement resources that were either unavailable or ineffective. This made it difficult to gain relevant employment, leaving me with debt but no realistic path to repay it. I am including documentation from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that lists all my federal loans and grants, including those associated with both institutions. Based on the misrepresentations made by XXXX XXXX and XXXX XXXX and the resulting financial harm, I respectfully request full discharge of my federal student loans under the Borrower Defense to Repayment provisions.","date_sent_to_company":"2025-05-23T12:34:16.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"463XX","tags":null,"has_narrative":true,"complaint_id":"13685398","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-05-23T12:29:26.000Z","state":"IN","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I am including documentation from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that lists all my federal loans and grants, including those associated with both institutions. Based on the misrepresentations made by XXXX XXXX and XXXX XXXX and the resulting financial harm, I respectfully request full discharge of my federal student loans under the Borrower Defense to Repayment provisions."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"company":["Servicer under contract with Federal Student Aid"],"sub_product":["Federal student loan servicing"]},"sort":[18.842283,"13685398"]},{"_index":"complaint-public-v1","_id":"12809791","_score":18.718304,"_source":{"product":"Student loan","complaint_what_happened":"Dear Attorney General XXXX, I am writing to formally request your assistance regarding the challenges I am facing with my private student loans associated with my attendance at The Art Institutes. As you are aware, The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), have been found to have engaged in pervasive and substantial misrepresentations to prospective students about post-graduation employment rates, salaries, and career services. This misconduct led the XXXXXXXX XXXX XXXX XXXX to approve more than {$6.00} XXXX in automatic student loan relief to nearly XXXX borrowers who enrolled at any XXXX XXXX XXXX on or after XX/XX/XXXX, through XX/XX/XXXX. I attended full-time from fall of XXXX to While this federal action provides significant relief to many, it primarily addresses federal student loans. My loans, however, are private, and I have encountered considerable difficulties in seeking comparable relief. Notably, organizations such as the Project on Predatory Student Lending have urged private lenders like XXXX, XXXX, XXXX-SOFI, and SOFI to recognize that the private student loans made to XXXX XXXX students are not enforceable and should be canceled immediately. \nIn my case, I was compelled to refinance my private loans due to exorbitant interest rates that rendered my monthly payments unmanageable. I struggled for years to pay my loans and it has cause significant burden, stress, XXXX, and personal harm. I have documentation of multiple conversations through the course of my struggles with my loan providers, as well as a note I wrote about my stress, XXXX and anger over an irrelevant degree. A now defunct degree that I poured my time, heart and soul into that I am still stuck paying a fortune for. My balance has does nothing but increase due to the interest rates I was being charged, despite years of monthly payments. \n\nI was forced to refinance with SoFi or risk loosing everything I had and destroying my credit, believing it would provide a more sustainable repayment plan. However, my interactions with SoFi have been fraught with inconsistencies and a lack of clear guidance : XX/XX/XXXX : I spent several hours on the phone with SoFi representatives who informed me that they were merely the servicer of my loans and did not own them. They directed me to contact XXXX and XXXXSofi , providing a specific contact number. \nXX/XX/XXXX : Following their advice, I reached out to XXXX and XXXXSofi, only to be informed that they did not own my account and, therefore, could not assist me. \nSubsequent Communications : I have been continuously redirected between SoFi XXXXSofi XXXX and XXXX, no entity assuming responsibility or offering substantive assistance. \nRecent XXXX : In a recent chat with SoFi, I was informed that they are, in fact, both the owner and servicer of my loans. This directly contradicts their earlier statements, adding to my confusion and frustration. \n\nI still possess all of the original records from The XXXX XXXX that document the deceptive marketing tactics, misleading promises, and predatory lending practices that I experienced firsthand. These records include my original financial commitment documents, promotional materials that falsely represented student success and salary expectations, and documentation that outlined an unrealistic repayment timeline based on fabricated employment and income statistics. These materials directly illustrate how I was misled into believing that my education would lead to a financially stable career that would allow me to repay my loans under reasonable terms. \nI have been making payments since XXXX, yet I have barely made a dent in the principal balance. The debt is crushing me, and despite my years of effort, I see no path forward. To make matters worse, my degree is now effectively void due to the fraudulent practices of The XXXX XXXX, leaving me with massive debt and nothing to show for it. This financial burden has prevented me from moving forward in many aspects of life. \nThis ongoing cycle has left me feeling stonewalled and without recourse. Given the documented fraudulent practices of The XXXX XXXX and the subsequent federal loan discharges, I believe there is a compelling case for the discharge. \n\nI respectfully request your office to : 1. Investigate : Examine the practices of SoFi and XXXX in handling my loan inquiries, particularly the contradictory information provided and the apparent lack of accountability. \nXXXX. Advocate : Engage with SoFi to explore avenues for the discharge or modification of my private loans, considering the broader context of The XXXX XXXX ' misconduct and the precedent set by federal loan discharges. \nXXXX. Provide XXXX : Offer clarity on any state or federal programs, legal actions, or resources available to borrowers like myself who are grappling with private student loans stemming from attendance at fraudulent institutions. \n\n\nAttached are XXXX emails/chats XXXX : Email summarizing my conversation with SOFI, concluding that SOFI is not the owner and can not provide me with loan information or help me with misconduct. Further directing me to XXXX and providing a number to call. \nXXXX. Email correspondence between myself and XXXX. XXXX would not acknowledge me as a customer. They said they had no account for me on the phone. Although I had paid my monthly payments to them for years. I turned to emailing them to see if I could get through that way. This email shows that consider my loans paid in full by SOFI and SOFI is the owner.\n\n3. A chat with a different SOFI rep, confirming they are the owner and servicer if my loan. \n\nThis is the cycle that continues. I can not get a clear answer or assistance from anyone. I am committed to resolving this matter and am willing to provide any additional documentation or information your office may require. Thank you for your attention to this pressing issue. I look forward to your guidance and support.. \n\nSincerely, XXXX XXXX XXXX XXXX )","date_sent_to_company":"2025-04-03T17:23:46.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"12809791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-04-03T16:19:02.000Z","state":"MN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I struggled for years to pay my loans and it has cause significant burden, stress, XXXX, and personal harm. I have documentation of multiple conversations through the course of my struggles with my loan providers, as well as a note I wrote about my stress, XXXX and anger over an irrelevant degree. A now defunct degree that I poured my time, heart and soul into that I am still stuck paying a fortune for."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Private student loan"],"sub_issue":["Received bad information about your loan"]},"sort":[18.718304,"12809791"]},{"_index":"complaint-public-v1","_id":"3448445","_score":18.614048,"_source":{"product":"Student loan","complaint_what_happened":"I wanted to get my XXXX license, so I applied and was accepted into the Program. I needed financial help so I applied for a SallieMae student loan in XXXX and borrowed $ XXXX@ 2.5 % interest. I graduated from the program in XXXX and six months after I graduated I started repaying my loan in XX/XX/XXXX at {$130.00} as requested, in XXXX of XXXX SallieMae wanted {$260.00} a month which we paid until XX/XX/XXXX. We believe that the loan should have paid off in XXXX. We had been struggling to meet bills and could no longer meet the bills and we lost our home in XX/XX/XXXX. I received a job as a XXXX in XXXX, in XX/XX/XXXX SallieMae filed a garnishment on my wages at 15 % of my earnings which they received {$1000.00} according to the facilities records and the garnishment continued till XXXX totaling {$43000.00} garnished from my pay, I also paid in {$830.00} in XXXX & XXXX. We moved back to XXXX and I returned to work at my former job in XXXX and paid in {$1500.00} in XXXX, in XXXX SallieMae garnished my wages for {$1200.00} They refuse to provide a copy of the original loan agreement or to account for my payments and the garnishments they have taken. In XXXX Navient, SalliMae 's collection agency recieved {$1500.00} from our tax return, we believe that we have over paid on this loan by {$53000.00}, we ask for your help. We have contacted SallieMae and The US Department of Education and XXXX at XXXX XXXX XXXX, none will produce the original loan agreement or account for the Payments and Garnishments made on this loan, they also say that I signed a loan agreement with them in XXXX which I did not, and we have sent numerous letters demanding an accounting of this loan and the original loan, which is my right.","date_sent_to_company":"2019-11-26T14:32:36.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"67846","tags":null,"has_narrative":true,"complaint_id":"3448445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-11-23T19:38:09.000Z","state":"KS","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I needed financial help so I applied for a SallieMae student loan in XXXX and borrowed $ XXXX@ 2.5 % interest. I graduated from the program in XXXX and six months after I graduated I started repaying my loan in XX/XX/XXXX at {$130.00} as requested, in XXXX of XXXX SallieMae wanted {$260.00} a month which we paid until XX/XX/XXXX. We believe that the loan should have paid off in XXXX. We had been struggling to meet bills and could no longer meet the bills and we lost our home in XX/XX/XXXX."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Federal student loan servicing"]},"sort":[18.614048,"3448445"]},{"_index":"complaint-public-v1","_id":"2859817","_score":18.540714,"_source":{"product":"Student loan","complaint_what_happened":"Please refer to case number XXXX, which is now closed. I am submitting a second complaint because the response from the lender has increased my concerns over the propriety of the process. For ease of review, I will first include my initial complaint, then the lender 's response and finally my additional comments. \n\nInitial complaint : \" Loan default was entered on my account on XX/XX/XXXX. Due to said default, I incurred significant and burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX dependency and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX. Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process. At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been clean and sober for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations. '' Lender 's Response : \" The Office of Consumer Advocacy at the Pennsylvania Higher Education Assistance Agency ( PHEAA ) received recent correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your rehabilitated student loan account, administered by American Education Services ( AES ). The OCA performed a thorough review of your Consolidation Loan, which was issued under the Federal Family Education Loan Program ( FFELP ). Specifically, we reviewed the financial activity, the communication history, and any available options. In the inquiry, you indicated that the principal balance on your Federal Consolidation Loan increased significantly following its default to the guarantor, the Pennsylvania Higher Education Assistance Agency ( PHEAA ), and the subsequent rehabilitation process. You requested for the default status to be reversed and for all payments to be reapplied to the loan. Your Federal Consolidation Loan disbursed on XX/XX/XXXX was initially serviced by AES. The original principal balance of the loan was {$56000.00}. Because sufficient payments were not received, the loan became significantly past due. As mentioned in your inquiry, you attempted to defer repayment on the loan due to your participation in a rehabilitation program. While the initial deferment application was received on XX/XX/XXXX, a default claim was already in the process of being filed with the guarantor, and the loan defaulted to PHEAA effective XX/XX/XXXX. The default balance was {$67000.00}. PHEAAs payment records confirm that you made timely payments from XX/XX/XXXX through XX/XX/XXXX. By doing so, you qualified for the loan rehabilitation process to have the loan removed from default status. A copy of the document that you signed for the rehabilitation process is attached. Some personal information has been removed for privacy reasons. At that time, you agreed to repay the total amount due on the loan, inclusive of the accrued outstanding interest, collection costs, and other charges assessed. At the conclusion of the rehabilitation process, the loan returned to AES for servicing effective XX/XX/XXXX. The principal balance of the loan at that time was {$75000.00}. Since that time, you have been making regular payments on the loan and reduced the principal balance to {$68000.00}. AES is unable to reverse the sequence of events that occurred on the account. You remain responsible for satisfying the loan debt, inclusive of accrued interest, principal balance, and applicable late fees. However, if you are experiencing financial difficulties with repaying the loan debt, repayment options and alternatives, including an Income-Based Repayment ( IBR ) plan, are available. Additional information may be obtained by visiting the website at aesSuccess.org or by calling AES. No additional action is planned by the Office of Consumer Advocacy at this time. You may obtain more information on the status of the Federal Consolidation Loan by calling AES directly at XXXX. Representatives are available Monday through Friday from XXXX XXXX. to XXXX XXXX., ET. '' My Response : 1. My deferment request was marked received by the lender on XX/XX/XXXX. However, the request was actually received by them on XX/XX/XXXX ( please see attached request with fax confirmation ). The loan did not default until XX/XX/XXXX. I believe the lender intentionally delayed acknowleding receipt of the request until after it was already too late ; 2. According to the lender 's response above, before the loan went into default, the balance was {$56000.00}. The default balance was {$67000.00}. Timely payments were made from XX/XX/XXXX through XX/XX/XXXX. By the time the loan went back to the lender for servicing, the balance somehow jumped to {$75000.00}! Why did the loan jump even higher after I made timely payments?","date_sent_to_company":"2018-03-30T18:21:52.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"91406","tags":null,"has_narrative":true,"complaint_id":"2859817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2018-03-30T18:06:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["I was struggling with XXXX and XXXX dependency and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Federal student loan servicing"]},"sort":[18.540714,"2859817"]},{"_index":"complaint-public-v1","_id":"8382472","_score":18.42078,"_source":{"product":"Student loan","complaint_what_happened":"Nelnet is reporting late payments on two of my student loans during the XXXX Pandemic. I not only applied for a deferment, but was on an income-driven/based payment plan at which time I had no employment income. The deferment was not applied to the reporting late months as requested. In addition, the months in question upon verification are eligible for payments in the amount of {$0.00} per month. When disputed with the credit bureaus, Nelnet continues to confirm the derogatory reporting and has updated my account as \" In Deferment ''. However, the derogatory information remains, contributing to continued hardship and financial inequality. In a previous complaint, Nelnet claims that the XXXX CARES Act is inapplicable. \nAccording to the U.S. Department of Education XXXX XXXX XXXX XXXXXXXX ) : XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, XXXX Today, the U.S. Department of Education XXXX Department ) announced an expansion of the pauseon federal student loan interest and collections to all defaulted loans in the Federal Family Education Loan ( FFEL ) Program. This action will help more than XXXX XXXX additional borrowers burdened by debt during the XXXX emergency. \nAt a time when many student loan borrowers have faced economic uncertainty, were ensuring that relief already provided to borrowers of loans held by the Department is available to more borrowers who need the same help so they can focus on meeting their basic needs, said XXXX XXXX XXXX XXXX. Our goal is to enable theseborrowers who are struggling in defaultto get the same protections previously made available to tens of millions of other borrowers to help weather the uncertainty of the pandemic. \nUnder the XXXX XXXX, private lenders made federal student loans to students and guaranty agencies insured these funds, which were, in turn, reinsured by the federal government. After these loans enter default, they are transferred from the lender to the guaranty agency. While some FFEL Program loans are now held by the Department because they were purchased by the federal government during the financial crisis over a decade ago, many others remain with private entities. \nToday, the Department is announcing that it will expand the 0 % interest rate and pause of collections activity to XXXX XXXX borrowers who defaulted on a privately-held FFEL Program loan . This action will protect more than XXXX borrowers who were at risk of having their federal tax refunds seized to repay a defaulted loan. This relief will be made retroactive to XX/XX/XXXX, the start of the XXXX national emergency. \nThe Department will work to automatically return any tax refunds seized or wages garnished over the past year. Borrowers who made voluntary payments on any of these loans during the past year will have the option to request a refund of those amounts. The Department will also work with the guaranty agencies, who hold these defaulted FFEL Program loans, to implement the 0 % interest rate for these borrowers. \nIn addition, any of these loans that went into default since XX/XX/XXXX, will be returned to good standing. The guaranty agencies that hold those loans will assign them to the Department and request that the credit bureaus remove the record of default. \nThis action builds upon steps already taken by the XXXX XXXX to help federal student loan borrowers. Those steps include pausing student loan interest, repayment, and collections activity for tens of millions of borrowers with loans held by the Department through XXXX XXXX, XXXX. The Department also requested a waiver from the XXXX XXXX XXXX so that individualsdespite currently or previously defaulting on federal student loans or previously being delinquent on paymentswill still be eligible for a Paycheck Protection Program loan and related loan forgiveness. The waiver immediately helped nearly XXXX small business owners. \nYour assistance is greatly appreciated.","date_sent_to_company":"2024-02-21T02:33:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"90061","tags":null,"has_narrative":true,"complaint_id":"8382472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-02-21T02:04:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The Department also requested a waiver from the XXXX XXXX XXXX so that individualsdespite currently or previously defaulting on federal student loans or previously being delinquent on paymentswill still be eligible for a Paycheck Protection Program loan and related loan forgiveness. The waiver immediately helped nearly XXXX small business owners. \nYour assistance is greatly appreciated."],"product":["Student loan"],"sub_product":["Federal student loan servicing"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[18.42078,"8382472"]},{"_index":"complaint-public-v1","_id":"2731724","_score":18.377579,"_source":{"product":"Student loan","complaint_what_happened":"I graduated from XXXX XXXX University in XXXX, consolidated my loans in XXXX with a very low interest rate of less than 3 %. Immediately after graduation, I started work at XXXX XXXX XXXX, a non-for -profit organization. In XX/XX/XXXXI got a letter from Navient stating that my loan was frozen for 50 years. I neither asked for forgiveness, nor struggled to pay my loan. Navient mislead me, and as a result, I paid for my children education out of pocket, falsely hoping that my loans are frozen forever. In XX/XX/XXXX I started getting calls demanding payments and threatening to ruin my credit history. From XXXX XXXX I learned that I 'm responsible for {$39000.00} loan, plus my son 's student loan of {$5400.00}, for which I was a co-sighner. I contacted Navient on XXXX, demanding to be transparent and provide me a letter of explanation. Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager, that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed \" yes '' out of me and e-mailed me a note \" XXXX XXXX, your request for forbearance has been approved. Your payments will resume on XX/XX/XXXX. '' I still did not get an official letter. I contacted Navient on XX/XX/XXXX. Spoke with a representative XXXX, ID XXXX and was told that my request to provide a letter was cancelled, because it was sent to wrong department. \" I feel racketeered. I asked for how many years I have to pay my loan and was told -for XXXX because my loan was initially consolidated. I tried to find information online, but under my SS I can only access my son 's information. I demanded transparency and told them on multiple occasions that they have to provide me all information in a written form.","date_sent_to_company":"2017-11-17T09:39:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"11435","tags":null,"has_narrative":true,"complaint_id":"2731724","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-11-17T03:35:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager, that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed \" yes '' out of me and e-mailed me a note \" XXXX XXXX, your request for forbearance has been approved."],"product":["Student loan"],"issue":["Dealing with your lender or servicer"],"sub_product":["Private student loan"],"sub_issue":["Need information about your loan balance or loan terms"]},"sort":[18.377579,"2731724"]},{"_index":"complaint-public-v1","_id":"10467306","_score":18.279785,"_source":{"product":"Student loan","complaint_what_happened":"below is my loan status. I have had these loans since XXXX. The interest is over 13 %. Im paying over {$360.00} per month. It is not reducing. I have called to let them know that my father should be taken off my loans which they never have done. He is now deceased for over a year and hes still on my loans. These are not obtainable to repay. I was unaware in my XXXX that the interest rate was going to be so high nor was, I aware that these monthly payments were going to be so high. This is not my only student loan. I am only a XXXX which is now not XXXX due to Covid. And I am struggling to make these payments. Below is my full loan history/status. This is a bad loan that can never be paid off without going bankrupt!!!!!!!! I can not believe theyre allowed to give someone such a debt that can never be paid when youre trying to start your career and do the right thing by going to college just to drown in debt that is more than what you get paid annually. I also have a child that is about to go to college in four years. \n\nLoan Status Repayment Repayment Plan Full Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX Ready to pay off this loan today? \nHere are the amounts : Online {$23000.00} By U.S. Mail {$23000.00} Unpaid Principal {$23000.00} Unpaid Interest {$180.00} Current Balance {$23000.00} Interest Rate 13.250 % Interest rates on private loans are set by the lender. \nInterest Type Variable Total Accrued Interest {$17000.00} Loan/Borrower Benefits Option Automatic Debit Benefit Status Awarded XX/XX/XXXX Loan Type PRIVATE School XXXX XXXX XXXX Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/XXXX Original Principal {$23000.00} Cosigner XXXX XXXX XXXX","date_sent_to_company":"2024-10-13T13:28:39.000Z","issue":"Issue with income share agreement","sub_product":"Private student loan","zip_code":"34110","tags":null,"has_narrative":true,"complaint_id":"10467306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-10-13T13:04:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Billing or statement issues"},"highlight":{"complaint_what_happened":["This is not my only student loan. I am only a XXXX which is now not XXXX due to Covid. And I am struggling to make these payments. Below is my full loan history/status. This is a bad loan that can never be paid off without going bankrupt!!!!!!!! I can not believe theyre allowed to give someone such a debt that can never be paid when youre trying to start your career and do the right thing by going to college just to drown in debt that is more than what you get paid annually."],"product":["Student loan"],"sub_product":["Private student loan"]},"sort":[18.279785,"10467306"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":51,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":51}]}},"product":{"doc_count":51,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":48,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":30},{"key":"Private student loan","doc_count":15},{"key":"Non-federal student loan","doc_count":3}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}}]}},"issue":{"doc_count":51,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Dealing with your lender or servicer","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":9},{"key":"Trouble with how payments are being handled","doc_count":6},{"key":"Don't agree with the fees charged","doc_count":4},{"key":"Co-signer","doc_count":2},{"key":"Need information about your loan balance or loan terms","doc_count":1},{"key":"Problem with customer 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payments","doc_count":1}]}},{"key":"Getting a loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High pressure sales tactics or recruiting","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Issue with income share agreement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing or statement issues","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your 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