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 Virginia

At the - level ( when I accepted Signature Student Loans ), I went to - of -. I was laid off from a good - position ( where I was on a continuing, or 5-year, contract ) almost 8 years ago due to economic crisis and STILL have not recovered ( i.e. I have cashed in all my retirement accounts several times, and I still ca n't find a decent job with benefits and normalized working conditions ). Currently, my dad is paying my rent, and I am - - -, and I have an - - I am currently working at a long-term full-time job ( at least until - ) as a " temp, '' making less than $ -hour. ( I have n't earned a paycheck yet ). Yet I owe over $ 85K in student loans. About $ - of that is due to Navient ( holder of Signature Student Loans, originally issued by - - -. Both Navient and - - have repeatedly denied any and all requests to work with me, whether that be in the form of lowering my monthly payment or allowing me any relief whatsoever in the form of deferment


now it 's - ) economic climate constitutes " extenuating circumstances. '' ( And even before -, when I arrived in - Florida and found gainful employment, I lived in -, and it was exceedingly difficult to find gainful employment down there due to bi- and multi-lingual population - and that was when " times were good. '' So yes, no doubt I have used up all my relief. But the current situation is not benefitting anyone - it 's not helping me pay my loans, and it 's not helping Navient get paid ). Still, Navient refuses to discuss solutions ; yet they persist in calling me @ - times every single day, harassing me, just so that we can have the same conversation over and over again : " I know I owe you money, and I 'm going to pay you, but I ca n't pay you anything right now because I do n't have a job ; therefore I do n't have any money. '' I have also gotten very, very nasty with them due to the sheer absurdity of the situation. I have also suggested that my - degrees qualify me to stuff envelopes or something for them, which would at least generate a paycheck whereby I could pay them. But they are n't interested in that. They just call me all day long, every single day, even when I pointed out to them that according to FTC rules, they were n't allowed to do that. I have several months worth of phone bills that I could attach to prove my point ; unfortunately, however, I do n't have $45.00 to buy an ink cartridge. I have missed - payments, but I manage to make the - payment every month, which saves me from being reported for non-payment. However, as I said, they call me @ - times a day from various phone numbers. Their current favorite is - - - -, but there are many, many others. I just basically keep the ringer turned off -. I want to change my number, but I need to keep it in case someone calls me about a job. I have submitted hundreds of job applications, and I ca n't afford to miss a callback.