Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

Non-federal student loan Can't repay my loan Can't decrease my monthly payments Virginia

I went to - school at - - College - - in - from -/-/--/-/-. - -/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was $200000.00 - - - $96000.00 ; private - $100000.00 ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately $63000.00 in payments toward my student loans. - strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately $420000.00 ( Federal - $250000.00 ; private - $160000.00 -. For five years, I have been asking for a way to permanently reduce my interest rates. My - private loans have rates that range from 8 % ( - loan ) to 10 % ( - loans ). Each year, - enrolled me into a Rate Reduction Program that was


addition to the $1000.00 payments to - for my consolidated Federal loan debt at 7 % interest. In -, I was told I had been rejected from the Rate Reduction program, that my monthly payments were $1700.00 and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the - rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from - five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm - years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. Please help me.