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 New York

Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( - - ) was - or - with a -. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said - - should take out a private loan. But neither she nor her mother had good credit. Subsequently, - -, a friend of the mother of - -, co-signed the private loan. Fast forward a few years. - - was unemployed for many months but eventually found employment driving a truck at the airport for which she earns $11.00 an hour or about $ - a year. - - has been having trouble paying her private student loan. Now that she is employed, she is willing to pay $100.00 a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans.


- - is not in any position to pay the debt of - - as she is - and unemployed. The husband of - - has informed Navient 's caller, a - -, that - - is very ill due to - and that the calls are upsetting her. Rather than advise - - and her husband that the co-signer 's obligation can be forgiven due to her - ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring - - and her mother to make a lump sum payment of $4000.00 to get - - off the loan. So - are - - and her mother about the predicament and distress the loan has inflicted upon - - that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the $4000.00 lump sum payment. Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of - - asked Navient if she could file a - application to get off the loan. The Navient representative, who knew all about the co-signer 's -, said yes. When asked why the Navient representative had not told him earlier, no answer was given.