Navient Solutions, LLC.

2019-10-05

Saint Paul, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-10-05

Wesley Chapel, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My loan is serviced through Navient. On XX/XX/19 I made my regular payment on my account in the amount of {$170.00} applied toward both consolidation Loan # 1 and # 2. I then made a separate online payment in the amount of {$280.00} selecting Loan # 1 for application of payment per the website instructions. When Navient applied payment the {$280.00} was applied to loan # 2 not loan # 1. Loan # 1 has a balance of {$550.00} i am trying to pay-off this loan in full over the next two months so I paid just over half with the intention of paying the remaining balance during the month of XX/XX/XXXX. Over the years when I have made extra payments on this loan ( both w/Navient & the previous creditor ) the payments have always been misdirected to the larger balance to keep this account open and earning interest. The last time I made an overpayment some 8-9 years ago to pay-off the smaller balance I paid the full amount due and none if was applied to the first loan balance. This practice need to be stopped and lenders forced to accept the payment as made by the consumer. I recently learned from a friend that Navient was previously sued by the CFPB and they agreed to stop this bad practice however they are continuing to do it. I can provide proof showing the payments and i am prepared to give written sworn testimony. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-05

West Brandywine, PA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-10-05

Enid, OK

Getting a loan

Student loan: Private student loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2019-10-05

Houston, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I was making diligent automatic payments from my bank to Sallie Mei on my Federal student loans, but when the loan accounts were transferred to Navient, late fees started accumulating because Navient changed loan due dates.
Company Response: Closed with explanation

Timely Response

2019-10-05

N Falls, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Every year when it comes time to recertify for an IBR, Navient will give me a specific number that I have to repay. Sometimes it has to be recalculated, because my wife also has student loans to pay back, and every year, they fail to include her loans. I always send my tax statements as proof of income. Every year they manage to flub the process up. This year in particular, when recertifying, I was given a payment of {$160.00}, and then in an email, I was given a payment of {$200.00} ( XX/XX/XXXX email ) and then when I went to make my payment on Thursday, XX/XX/XXXX, the payment says {$270.00}. I called Navient, yet again that same day and was put on hold for a supervisor and was hung up on or disconnected. I called back, again, and got a supervisor on the phone, who allegedly ran the numbers and told me that was the final amount ( {$270.00} ) and they could not go any lower. I explained that this isn't feasible because of my wife 's student loans ( she has to recertify this month and she goes through the same thing each year ) and because of all of our other bills, mortgage, car payments, bills, insurances, child care, etc, and the supervisor refused to budge and would not assist me any further. This happens every single year with these people. In viewing the lawsuits against Navient, I see that this is a common practice of theirs, in refusing assistance to those who can not afford the amount they set.
Company Response: Closed with explanation

Timely Response

2019-10-05

Bellaire, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/2019 I made a significant payment XXXX USD on my consolidated student federal loans with Navient using the custom payment option in order to pay one of my loans off. After reviewing the posted payment I noticed the payment was split between the 2 separate loans with each having an interest of 6.875 %. I made the payment in plans to cut my student loan owed amount in almost half with only 1 loan at 6.875 %. After reviewing the posted amount I called Navient on XXXX XXXX 2019 to correct the transaction and it was explained I should see the correction with 24 to 48 hr the timeframe given has passed I reviewed the posted payment again an no change so I called back Navient on XX/XX/2019 to correct the transaction again and I am now being inform that if Navient fixes the payment to reflect the 1 loan payed off it will bring my other loan to a XXXX USD delinquent balance and customer service is unable to complete the transaction. So now instead of me having to pay back 1 loan at 6.875 % I am still expected to pay for 2 loans at a total of 13.75 %. To me it appears that Navient doesn't want me to pay off 1 loan because they will loose the extra 6.875 % interest.
Company Response: Closed with explanation

Timely Response

2019-10-04

Houston, TX

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have been horribly mistreated by SallieMae, followed up by the same treatment from Navient, so I will never talk too them again. This company was aware of my XXXX XXXX XXXX when my private loans were taken out, because I told them about it, after I graduated and had a major relapse and can never work, they act surprised, and completely unwilling too help me at all.
Company Response: Closed with explanation

Timely Response

2019-10-04

Santa Ysabel, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: In XX/XX/XXXX I graduated with a XXXX from the XXXX XXXX XXXX XXXX. In the four years I was there, I borrowed {$16000.00}. I worked for 8 years and started paying back my loans in XX/XX/XXXX when I finally got a full time job at my XXXX. In XX/XX/XXXX, I was advised to consolidate my loans. They were consolidated for {$20000.00}. I was in repayment from XX/XX/XXXX-XX/XX/XXXX before I entered XXXX school. During my time in XXXX school ( XXXX XXXX University ), I took out another {$11000.00} in loans. Total I borrowed from XXXX and XXXX school : {$27000.00} In XX/XX/XXXX I started a series of forbearance and deferrals due to my economic situation : starting my own business with no money in XXXX XXXX. In XX/XX/XXXX, I defaulted and was forced into consolidation. The {$11000.00} was consolidated for {$25000.00} due to interest gained. This time when I consolidated, my interest rate went from about 3.5 to 6.25, nearly 200 %. After 7 years of struggling, I defaulted on my student loans for a second time for not filling out the right paperwork. I was told to consolidate them again. In XX/XX/XXXX, I consolidated all my loans, and somehow {$46000.00} of consolidated loans turned into {$85000.00}. Now, Im not sure what happened but they went up to around {$90000.00} when we started paying them in XX/XX/XXXX, and currently I still owe {$88.00}, XXXX In addition, I was never told of the Income Based Repayment option. Not once was I given the right advice. They do this on purpose to rack up as much debt as possible so they make as much money as possible. They should be sued for predatory lending.
Company Response: Closed with explanation

Timely Response

2019-10-04

OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Hello, Navient is reporting 11 months past due for student loan accounts. The months for past due are listed from XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. However, I informed Navient of deferment requests multiple times. My first notification occurred in XX/XX/XXXX, requesting deferment due to economic hardship. Their company was notified and provided documentation of my financial situation. I have lived in poverty for my entire life. My income is typically {$12000.00} per year. My XXXX son prevents me from working full time. To resolve the problem, I have contacted Navient and provided proof of my economic hardships. As proof, a statement showing government aid for food stamps was provided from XX/XX/XXXX thru XX/XX/XXXX. I have been on government assistance for food most of my entire adult life. In addition, I have filed disputes with the credit bureau agencies but have not been successful.
Company Response: Closed with explanation

Timely Response

2019-10-04

Bel Alton, MD

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-10-04

MA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I was pushed into college right out of high school. I chose a out of state school with a high tuition. I had to take out XXXX a year plus federal loans to go. I was assured that I could make the money back, that it wouldnt take long to pay back. I wanted to quit school but my parents wanted me to finish. After my grace period ended I was hit with a XXXX a month bill from navient. I lived in rural ct with no car. My co-signer didnt want to cover the payment. I got a job at a XXXX making XXXX dollars an hour ... ..I put my loans into deferment and forbearance for as long as I could. There lies the problem. After that I got in an income based repayment plan, but as a house XXXX I was bringing in XXXX a week. This was still not enough to see payment hit the principal. Ive been out of school for 6 years and feel I will never get out of debt with this company. I should have known it was peoples jobs to try to get me to go to school there, and that the school also tried to overcharge me for something once. I was a victim of coercion because I didnt know any better. I was young and if I knew what I know now, I would never let this happen to anyone- XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-04

Broseley, MO

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: My son went to XXXX XXXX XXXX in XXXX Missouri in 2007. I was terribly upset when they kept adding more and more dept to the student loan that I did not approve of I did cosign for his 1st semester but the school was not disclosing all the debt that they kept adding on. My son should have had his associates when he left and we also never was able to receive a copy of it or transcripts for our records. At the time they put me way over what I had agreed to which was about XXXX and the debt reached far above that. Is there any way to get out from under this debt? I feel the school did not explain and was not honest with us and this has burdened me and my son now for years. He ended up going into the XXXX after school because he was unable to get work in the computer field after going to school for it.
Company Response: Closed with explanation

Timely Response

2019-10-04

Lancaster, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I attended XXXX XXXX XXXX in XXXX, PA from XXXX through XXXX ; when I graduated. The original loan was with Sallie Mae and consolidated as of XXXX. I have been on multiple Forbearances and Deferments since the time I graduated. I am not sure if I am being fairly charged for interest and/or other fees ; based on the Payment History attached to this complaint. To date, the balance owed is {$48000.00} ; for 2 consolidated loans. With the amount of interest, late fees, forbearances and deferments being applied. I feel as though I will owe this Student Loan forever. I tried making payments, but my financial situation is not the best, and I can not afford payments of over {$200.00} per month. I am currently unemployed, and currently on Forbearance-which was approved before I lost my job. I just want to make sure, Navient is not trying to price gouge and make money off of me unnecessarily.
Company Response: Closed with explanation

Timely Response

2019-10-04

Greenfield, WI

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-10-04

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-10-04

Lafayette Hl, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Why im paying {$90.00} which i doubled the repayment for the loan to pay it off and they only apply {$60.00}. a month to the loan.
Company Response: Closed with explanation

Timely Response

2019-10-04

OK

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been getting collection calls from navient. They used to only hold my private loans but they are now saying they have two federal student loans they were collecting on. My complaint is that they collected on my federal loans without telling me they were the federal loans. I didn't even know navient had 2 of my federal loans. I know the options available and consumer protections in place for federal because I also have XXXX who manages my federal loans ( and do a good job ). With Navient In setting up payments, however, I was not told that the payments I was setting up were for my federal loans since I didn't know they owned those XXXX. Furthermore, the payments I set up, in the amount of XXXX every two weeks, with Navient.I was under the assumption were to be allocated across all of my private student loans. Upon calling in to reschedule a payment a customer service rep informed me the payments were only for my 2 federal student loans they owned and that they were set up incorrectly. They should only have been for XXXX. Every two weeks Because it was only for the 2 federal loans. Only I was told it was for all of my private loans and that they'd be garnishing my paycheck or taking my house next. So I set the payments up. Meanwhile I'm also getting collection calls from the other navient, navient collections ... which is why I complained to the previous mentioned agent in the first place it's like they were two different companies and I didn't know. They were both collecting but I thought they were one entity. Deceptive collecting and incorrect info given.
Company Response: Closed with explanation

Timely Response

2019-10-04

Bel Nor, MO

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-10-04

Philatelic Center, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Official Navient Complaint Student loans for accelerated BS program at XXXX XXXX University went into repayment on XX/XX/XXXX. After receiving notice my Student loan grace period was ending soon, I went online on XX/XX/XXXX to the FAFSA website to find re-payment options. I was confused and intimidated, I filled out the IDR plan application and used the IRS data retrieval tool to submit the required support documents, I allowed FAFSA to choose the best payment plan option for me. The very next day, XX/XX/XXXX, I received a bill for {$350.00}, due to my service provider, Navient, on XX/XX/XXXX I felt panicked. My poor financial state and lack of consistent income was not something I saw ending in the near future. I thought maybe my application had been processed, and this was the best offer I was going to get. Desperate, I contacted my service provider Navient, that very same day. I tried to describe my situation to the Navient representative who answered the phone. I wanted to know if she knew the status of my application and asked her to advise me on my options. Because of my own ignorance, and overwhelming intimidation at dealing with this large loan, while in such a horrible financial state, I trusted that with the detailed information I offered, I would be given the advice that would help me to pay my loan, and that my best interest would be considered. I cant paraphrase the conversation, as it was a long time ago, but I asked a lot of questions, and my take away from the suggestions offered was that the IDR plan was a bad choice and given my situation, the lowest paying option would be the graduated repayment plan. ( Now that I have taken the time to better understand the whole student loan situation and the options, I realize how the graduated option, was neither the cheapest payment/month and was the absolute worst option possible. ) Wanting to get a plan in place, I took the Navient Rep advice and was enrolled in the graduated payment plan, on XX/XX/XXXX. My first payment would still be on XX/XX/XXXX, but the amount would be {$120.00}. Even though in XXXX, Navient had sent confirmation that they knew my email had changed, most of the emails they sent, often used my old email address. Because I thought the phone conversation was reliable, and the information I was given had included the IDR plan options, I had not expected that on XX/XX/XXXX, I would receive an email notifying me that I was accepted into the REPAYE plan, and my monthly payment would be {$00.00} ... so I had no knowledge of this. I didnt know that the reason my XX/XX/XXXX bill was {$0.00}, because I had been accepted into the REPAYE plan, and when my XXXX bill was also {$0.00}, again I panicked, thinking I had made some huge mistake. Concerned about the {$0.00} bills, I called Navient on XX/XX/XXXX. I did not understand what was going on and knew that interest would be a building issue. Confident that the advice given to me by the Navient rep on XX/XX/XXXX was valid, and without the knowledge of the aforementioned change into the REPAYE plan, my concerns continued to build. Again, I turned to Navient for helpful advice. On XX/XX/XXXX, I called Navient. The rep did little to clarify my options or defining my, then-current, repayment status. Not realizing that my interest would be capitalized, or that I was choosing to opt for the REPAYE plan benefits, that may have helped me to avoid huge penalties, I have suffered, I agreed to re-enter the graduated repayment plan. The graduated plan is in no way a smart move. My best guess is that it exists for people who need a lower payment, that does not qualify for any of the IDR options. Now that I have educated myself on payment options, pushing me toward this option is ethically questionable. I thought they were trying to help. These practices alone are deplorable, I would think that at some time, my desire to pay my bill, would encourage some ethical support from Navient, but I have lost any hope of that happening, as every time I trust them to act with integrity, I get taken advantage of. I was paying the XXXX month in the graduated repayment plan and there be little or no change in the principle for months at a time In XX/XX/XXXX, I took on a contract delivery job to help in my still desperate financial situation. The delivery program had a deal with a rental car service that allowed drivers to rent cars at a discounted rate. But even with a discounted rate, simple math made it clear that monthly car payments and insurance would be cheaper than what I was paying out in a month for rentals. Plus, I couldnt get a parking pass for a rental car, and I got more than one parking ticket. That said in XXXX, I had to ask Navient for a deferment, ( hindsight- if I would have stayed in the REPAYE plan I would not have had to ask for the deferment that is just one of the stresses that I would have forgone, had just one person listened to me, my situation, and cared enough to better inform me. ) When I got hit with my interest being capitalized a third time, this time for $ XXXX, in XX/XX/XXXX, the intimidation I had for the loan program was replaced with my personal survival and learning how to stop my credit situation from taking over my life. My first plan of action was to dent the principle that even though I had been paying on these loans while I was still in school, never seemed to decrease, only increased at times of capitalization. I was paying the total I owed every month, when I looked at my loans, ( 6 of them ), in detail, I realized that depending on what day of the month I paid my bill, my monthly payment may not even cover the accrued interest on the account, much less contribute to my principle. I became hyper-vigilant and dedicated a notebook to record my every payment, starting in XX/XX/XXXX. The way that Student Loans are designed, they make it impossible to get ahead of it. I have had loans in the past. Now that I understand the dynamic, I may have never gone back to school. Even if I pay more than I owe. I get charged interest every single day, and they will not apply the overpayment to future interest. It is scandalous. But that is my fault I just wanted to go to school, I shouldve been more cautious. I finally cracked the code, even if I couldnt afford it, I started paying a little extra to reduce my principle. Sometimes it would only be a dollar, sometimes, I couldnt afford it, but I made sure that I at least covered the interest owed at the time of payment. It was a lot of work. I would have to go to the website, figure out the minimum payment due for each loan, make sure that was covered, and then figure out the interest, etc. It was going great, but then I quit my part time job in XX/XX/XXXX, and now I was forced to educate myself on the IDR repayment plans, as I had heard ads that there were options for people in my situation. It took a while, but as I understood it the REPAYE plan was ideal and suited to someone in my exact situation. On XXXX, I went to the fasfa website, this time confident of my intention and eligibility. I again used the IRS data retrieval tool to submit the required documents. I was devastated to see that I had been enrolled in that program in XXXX of XXXX, and until that moment had not realized that I had ever even actually been enrolled in that plan. If anyone had told me, it was not something I understood. I took a closer look at my loan history and saw that I had in fact suffered capitalized interest on XX/XX/XXXX, after the phone conversation with the Navient rep. Navient had put me in the graduated plan, but for some reason, the FAFSA website was telling me I missed the XXXX deadline to update my information for the repayment plan. I was furious. Some of this is my fault for allowing my ignorance to encourage me to procrastinate and deny that I needed to get a handle on this part of my life ; but I was in shock that Navient, and even worse, the government would allow these horrible business practices. I started going over my loans with a fine-tooth comb and found more than one issue that I felt needed to be addressed. Besides the issues I saw with past instances I was concerned that I had not yet received confirmation of my approval for the IDR repayment plan I applied for almost a month before. So, on XX/XX/XXXX, at XXXX XXXX PST, I called Navient and spoke with Navient employee # XXXX, who told me that I should address my disputes in an email and send it through the Navient website. I sent an email through the website portal, which is the only way to communicate online. It is important to note here that I do not receive a record of the documents that I send to Navient, and the docs they send are only available for 8 to 12 months. I have kept my own record of correspondence but given there is a sent folder that is supposed to store my messages to them, that never reveals my communication, it is more than discouraging, it is shady. One time I even asked for a copy of the correspondence I sent them, and they refused to send them to me, I have a record of that communication as well. My application for the REPAYE plan was approved on XX/XX/XXXX, the same day as my phone call. Which makes me think that they wouldve just continued to ignore it until I mentioned it. My IDR plan would start on XX/XX/XXXX, in the amount of {$55.00}. In the many issues I have with Navient, there was one regarding the failure to note payments made on XX/XX/XXXX and XX/XX/XXXX, as they were shown paid out of my checking account but not reflected in my account payment history. I did see that there were refunds issues close to those amounts and dates. I have a number that identifies this issue. The reply I received to this issue was astonishing. I was told that Navient is required to apply the payment to the principal balance that was disbursed in the last 120 days if certain conditions were not met, ( then they list the conditions. ). The problem with this excuse is that I made a number of payments within 120 days of disbursements, while in school, yet this was the only time that they followed through on this requirement. Its like they pick and choose whatever they want to do whenever they want to do it. It isnt right, its confusing, and they are being careless with peoples lives. Further, they give minimum effort and do the very least possible when correcting the huge mistakes, they made. On XX/XX/XXXX I wrote Navient about this issue in careful detail, and on XX/XX/XXXX, I called Navient at XXXX XXXX, in response to a voicemail, that said I should contact, a specific person, at a specific extension, to address my many concerns. The voicemail was left at XXXX XXXX, earlier that same day. When I called, I got a recording that said to leave my name and number, and someone would call the next day. On XX/XX/XXXX, after I had not received a callback, I called at XXXX, XXXX, and one more time a few minutes later, always greeted with the aforementioned recording. Frustrated with not only the past payment issue, but also with the fact that I now have received my bill due in XXXX, XXXX, and XXXX, and the amounts due were not the {$55.00}, that the REPAYE acceptance letter had promised, rather almost double. The amounts due on the printable account information from the website, didn't match the amounts requested in emails from Navient and both were more than the {$55.00}. I called the regular number for Navient and talked to XXXX. His first comment was, your account is all over the place, not super-encouraging from a financial institution that holds my loan. He put me on hold for a bit and came back to tell me that a regular agent, such as himself, could not help me. That my issues had been escalated to an XXXX case agent, he didnt know what XXXX meant, unlike the regular line that was open later, this special department closed at XXXX XXXX. On XX/XX/XXXX, XXXX, the same agent that I had been trying to reach, called at XXXX XXXX, I was busy and said I would call her back at the number she gave me. When I called the number at XXXX XXXX, I kept getting a recording that said the number I was calling was not a valid extension. I tried 6 times. I finally waited for the next available agent. I finally got a hold of the right person. I brought up my issues. She offered to go back and apply all my payments as refunds, after telling me there was no chance that I would be worse off for having her take this action. She assured me it could only be better. I told her to do it, ONLY if there were no consequences. It was clear that I wanted no more surprises or shady dealings. Additionally, when I mentioned the conflicted payments amounts from printable account information, emails, and the {$55.00}. She was surprised and wanted to know when I received the {$55.00} quote. She had also included student loans that I had paid off from XXXX in the totals she was quoting me over the phone. It was clear my loans were being carelessly managed. During the same phone call, I requested specific information to be mailed, including subsidy information and asked for a follow-up phone call. I received neither. After she applied all my payments made while in school as refunds, the capitalized interest from coming out grace increased by {$100.00}. Her promise that I would not be paying interest was not true, and I paid as much if not more interest due to the change. I dont see where I was really benefited, and it may have made it worse. Moreover, the numbers in my payment history are allocated a bit differently. I don't see that my fees were refunded, and because they backdated my payments to the date when the money was disbursed, the interest that accrues daily is sky high when the first payment not processed as a refund is received, so my whole payment gets put toward interest. After realizing that no matter what, Navient will abuse me, I have spent so much time making sure that I don't get taken advantage of. Altogether, I have spent hours, weeks, months, trying to figure out how to get ahead of this. It has taken me over 3 hours just to sit down and draft this letter. It is astonishing that these practices are allowed in a civilized society. I have given Navient the benefit of the doubt and every time I think this time will be ok, it is not. In this complaint process you asked which of the following choices best explains my issue. I wish I was able to choose multiple answers. In addition to what I have included so far, a recent review of my credit report shows incorrect information from Navient. I am not even going to bother notifying them, because I have wasted enough of my time trying to get them to do the right thing. I know this is lengthy, I tried to keep it to the point. Please contact me for any clarification.
Company Response: Closed with explanation

Timely Response

2019-10-03

MA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Navient is the loan company. Their payment structure doesn't seem legal. For instance I paid about {$4000.00} in a year to only pay about {$200.00} of the principal. It was automatic payments but then it just stopped. They didn't call and I realized after 3 months no payments were taken out. They accrued almost {$700.00} in interest within those missed months. The principal went up. Now in order for any payments to apply to the principal, that {$700.00} in interest has to be paid off 1st otherwise it carries over to the next month and then keeps accumulating. It doesn't seem fair as my family has been paying all this money for the loan to keep increasing. Last year I had it down to {$23000.00} but today it's over {$24000.00} and that's after paying the monthly + more if we have it. Many months I paid {$360.00} instead of the {$280.00} thinking it would help but NO. The monthly interest is more than the payment!
Company Response: Closed with explanation

Timely Response

2019-10-03

Davenport, IA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-10-03

NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have had student loans for over 20 years and they have been sold over and over to servicers. I dealt with Navient for many years, with much difficulty getting a clear concise answer. I was told and did apply for forbearance several times until i could no longer do it. I did go into default at one point. My loans were once again sold and now i am trying to pay via XXXX. I feel i would have been in a better position and not had a default on my record if i had better guidance. I am told that i should be able to be part of the current litigation against navient but i am not sure what to do next. Also, with the length of time i have been paying school loans am i not entitled to some sort of forgivness??
Company Response: Closed with explanation

Timely Response

2019-10-03

Gloucester City, NJ

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-10-03

OH

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: My interest rate is high ; therefore my balance increased from {$68000.00} to {$140000.00} through forbearances and deferments. The accounts are also duplicate on my credit report, showing loans belong to department of education, navient, and XXXX. The amounts are duplicate and negative on each account, lowering my credit score. Staff with Navient are aggressive and not willing to lower payments. I am a single mother that can not afford proposed payments. I am also concerned about the rate in which my balance increased.
Company Response: Closed with explanation

Timely Response