Loan To Learn Student Loan Complaint

Loan To Learn Student loan department,

Non-federal student loan Can't repay my loan North Carolina

Back in -, I co-signed a non-federal private student loan for my ex-boyfriend with Loan to - - - - - -. Loan amount at the time was $13000.00. I have not spoken to him since - and apparently he stopped making payments late last year. The - I heard about this was around - -, - when I received a letter from an attorney 's office in an attempt to collect the debt. Principal due in that letter was $9700.00 plus interest and attorneys fees. Once I got that letter, I contacted them via email on - - and asked them to send me the loan paperwork. They did comply with that on - - and the letter they sent stated if you have an offer of settlement or would like to discuss a payment plan, to contact their office. On - -, I called the attorney 's office and I spoke to - -, I believe a paralegal at the firm, and made an offer of $1500.00, assuming they would be willing to negotiate. On - -, I left a voice message with - - at the attorney 's office for a status of the offer. On -


believe my ex moved out of the country and told them that. - told me to submit a hardship letter and to make another offer of settlement. I did that on the same day and offered $2500.00 and in the letter requested a payment history. On - -, I left a voice message with - regarding the status of the hardship letter. On - -, - called back and said client would offer $9600.00. I then offered to pay monthly payments. I said I could maybe afford $ -- $100.00 a month and - asked if I wanted to offer $75.00 a month and I said yes. On - -, they came back and rejected my offer and offered $170.00 a month. Unfortunately, I got verbally upset. I truly do n't believe I can add a $170.00 a month payment to my monthly bills. I told - I would pay what is due to date and then continue to make monthly payments, whatever the monthly payments were. She said I needed to make a monetary offer of what I would put down and what monthly payments would be. I told her I do n't have that information. I requested a payment history in my hardship letter and again to her on the phone. I told her I could n't make a monetary offer until I knew what payments had n't been made to date. She said she would get that together and get back to me on Monday, - -. At some point in the conversation, I apologized for raising my voice earlier in the conversation. I have not heard a thing since then. On - -, I emailed a letter to - at the attorney 's office and copying Loan to Learn, requesting they rehabilitate the loan and provide payment history. On - -, I left a vm for - to call me for a status update. On - -, I requested loan information via email again through - at the attorney 's office, copying Loan to Learn. In the meantime, my credit score which was - in the upper - has plummeted. I 'm afraid to look at what it is now. Last time I checked in early -, it was down to -. I have had excellent credit until this and they keep reporting this debt during these negotiations '' even though I have been trying to work to get this resolved since -. I do n't know what my rights are but I want to get this resolved as soon as possible. I am willing to make a lump sum payment to get it resolved but I ca n't afford anywhere close to $9600.00.