Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

Non-federal student loan Can't repay my loan Can't temporarily postpone payments Maryland

I am currently dealing with Navient in regards to my Private Student Loans. I am unable to make the necessary payment for the loans, and my deferral time on the private loans, which was 48 months has passed. I called Navient prior to the loans hitting a default status to see if another type of deferment could be offered to me, and they said no. After exhaustive research I did on my own, I did locate a deferment that my private loans were eligible for and that was an - deferment loan. To make sure the private loans were eligible, I called Navient and spoke to the non-collection side ( as the loans were not in collection at that time ) and the supervisor said the loans were eligible for that and he made sure to mail me out the forms. I filled out the forms as required and had my boss sign the portion that was pertinent to her on the form. I am currently in a -, which qualifies for this form. At the bottom of the form was an area I initially put " N/A '' during my first submittal, as the bottom only pertains to if


loans, call in to see if they are processed and the non-collection side of Navient said the form was filled out properly and it should be processed with no problem. A week goes by, I check my account and the loans are still not brought back to current and are not in collections. I call Navient and I am told the form was denied due to me having " N/A '' in the spaces at the bottom that deal with state licensure certification. I told them I used " N/A '' in those space to indicate " not applicable. So the representative on collections tells me to re-submit without the " N/A '' which is what I did, and I call today ( -/-/16 ) to see the processing status of the paperwork, and once again I am being told that bottom portion needs to filled out yet I am not in a -. I told Navient I called - - about this form as Navient and - - form are mirror duplicates of one another. A representative I spoke to at - - said they get the internship form filled out all the time with that bottom portion not filled out as the bottom portion on pertains to an - at an hospital where after you complete you get certified to practice in the state. The representative at - - said they understand their are different types of - of which the bottom portion of that form is not relevant to be filled out and the form still get processed. The representative at - - said " she does not understand why Navient can not process the form for me as I am filling it out correctly for an - that is non-- related. '' Moving forward, so after my call today ( -/-/16 ) the representative says she has to forward my case to the Navient Ombudsman office so they can look over it to make a determination in the case, yet I have filled out what I need correctly. And the lender keeps trying to push me to use my forbearance 's I have on my private loans and I only get a few of those and only to be used in drastic emergencies. Why should I have to use my forbearance 's, if I am filling out the - deferment form correctly? I also keep being told by Navient that the bottom portion of the - deferment form for -, that does not pertain to me, my boss needs to sign. I told Navient that if I asked my boss to sign it, they would have me commit an act of fraud. Note : These loans are currently in default now. The issue is a combination of payment and lender.