Can't get flexible payment options Review

Review and analysis of over 164 consumer complaints

Best Can'T Get Flexible Payment Options Companies

Sallie Mae
First Associates Loan Servicing LLC
JPMorgan Chase & Co.
Navient Solutions, Inc.
Wells Fargo & Company
AES/PHEAA
Navient

Worst Can'T Get Flexible Payment Options Companies

Navient
AES/PHEAA
Wells Fargo & Company
Navient Solutions, Inc.
JPMorgan Chase & Co.
First Associates Loan Servicing LLC
Sallie Mae

Most Can'T Get Flexible Payment Options Complaints

CompanyComplaints
Navient Solutions, Inc. 56
Sallie Mae 16
AES/PHEAA 13
Wells Fargo & Company 9
Navient 8

History Can'T Get Flexible Payment Options Complaints

New Can'T Get Flexible Payment Options Consumer Complaints


Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

February 24, 2017 - I was issued this loan in - as I was starting prerequisite classes for -. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. In - I chose to use my - knowledge on a volunteer trip to - for - - months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no ea...

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Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

February 18, 2017 - After 9 years of consecutive payments, I am still unable to get my co-signer released from the terms of the loan I was approved for to attend -, as well as not qualifying for any income based repayment, loan forgiveness plans, or any benefits that are provided to federal student loans ... although my loan is owned by Wells Fargo- a major banking institution....

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 24, 2017 - I recently saw that the federal government has filed a lawsuit against Sallie Mae and was directed to file a complaint against them on this site. I have had nothing but issues with Sallie Mae since I applied for a loan prior to starting college in -. I believe that they had me borrow more money than I ever needed to from the start and since I graduated in - I have struggled tremendously with repaying them. I have had issues finding a job in any field despite having a - and my payments to them are making it nearly impossible to repay them. I contacted their customer service this past s...

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Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

January 22, 2017 - I have - student loans adding up to over $62000.00 with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of $650.00 monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 20, 2017 - I took out private loans through sallie for my - degree. Upon graduating, I was told my monthly loan payment would be over $1100.00 & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over $1100.00 a month with interest rates about...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 20, 2017 - Since my repayment period has began -/-/2015, Sallie Mae has been uncooperative after multiple attempts to negotiate repayment amounts. I have explained on multiple occasions the difficulties I have been having, such as my father 's passing, followed by - with no health insurance. They refused to acknowledge my financial hardship and did not reach out to me until after my credit score dropped tremendously ( over - points ) as well as my cosigners ' scores. I had proof of both my father 's passing and my ectopic and was willing to submit it for them to work with me. Still they said the ...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 19, 2017 - I graduated a from 2 year college ( at the time ) with over $70000.00 in debt with Sallie Mae. Thankfully, I had the 6 month grace period to find work until I had to start repaying back my loans. After the 6 months, I had started a minimum wage internship with a company that related to my field. During the internship, I quickly realized I had not been fully prepared by the school and there was a lot I had to learn. During my second year, I had started to feel cheated by the school. I was one of the few who had joined a new program - which turned out to be mostly lectures and loading and un...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 19, 2017 - Was in year 3 of my - degree in - -. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year - loans and was denied due to a " high loan balance ''. Now they want $910.00 a month in repayment. Without a degree I am unable to find work paying high enough to afford $910.00 a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans )....

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 19, 2017 - I keep getting harassing phone calls regarding payments. I have tried to talk with - ( Sallie Mae ) about a lower re-payment option, such as any income based rates, and have been told no that I need to pay my monthly amount or I will default. My interest rate keeps increasing and my amount owed has never gone down in the 3 years I have paid. I work full time at a decent paying job and most of my paycheck monthly is paid to these loans. I have never missed a payment, but I have used all of the allotted time ( 12 months in total ) to put payments on hold due to family and medical emergencies....

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

January 19, 2017 - My husband and I took out a student loan with Sallie Mae at a 9.2 % interest rate for the maximum amount of years 10. We are supposed to pay them $570.00 a month. We are in forbearance right now because we just ca n't afford the payments at the month and there is no other way to defer the payments. We are charged $50.00 for a " forbearance fee ''. Each month we are charged $370.00 just in interest while this account is in forbearance. This ca n't be right....

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Eastern Revenue, Inc Student loan can't repay my loan can't get flexible payment options

December 17, 2016 - I have a school loan from my school that was sold to a collection agency by the name of Eastern Revenue Inc. of -, Pennsylvania. ( ERI hereinafter ). - has contacted me, constantly harassed me and threatened me numerous times regarding a balance that I am unable to pay and have advised them of such. - has gone so far as to attempt to obtain information regarding my children 's bank accounts, social security numbers and other private information. This company has used guerrilla tactics to constantly bully and harass me continuously, and has affected my personal credit, physical and men...

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JPMorgan Chase & Co. Student loan can't repay my loan can't get flexible payment options

December 13, 2016 - I just recently graduated from professional school and I am currently unemployed at the moment receiving - income and actively seeking employment. When I was in -, I took out - separate Chase loans. Going into professional school, I was told that there were really no repayment options like deferment or forbearance because I waited too long to return to school. Upon submitting a complaint via the CFPB, was I allowed to enter deferment/forbearance for - of the loans, but for the third loan, Chase required me to continue to make payments of $100.00 per month. Immediately upon gradua...

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First Associates Loan Servicing LLC Student loan can't repay my loan can't get flexible payment options

November 16, 2016 - I was forced into a loan situation using Peaks Loans instead of the - loans i wanted to use while attending -. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

November 16, 2016 - I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the - of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount an...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

November 15, 2016 - I was a victim of predatory lending at - - - - and am being harassed by Navient and - for over $260000.00 in student loans. - was never able to finish my degree as they never told me that they were in financial trouble, were unable to retain the -. When they were ready to file for bankruptcy, they sold their non-profit college to - which was a for profit college. They did not request permission to sell the non-profit college to a for profit business, which requires approval of the Attorney General. They did this behind the AG 's back and it was too late to unwind the ...

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Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

November 10, 2016 - Wells Fargo would n't let me consolidate or reduce monthly payments as per my income. They also defaulted - of my - private loans I had with them despite me making partial payments. On a separate occasion I received email notification that someone tried logging in to my account and that my account had been locked. I was forced to call them to re-open it and when I told them about someone other than me trying to access my account they ignored me. Furthermore, they were harassing me for payments while in school around - of 2015. I was never offered a grace period after graduation in -...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

November 6, 2016 - To whom it may concern, From -, I attended - a private college in - no longer in operation. I have -. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There ar...

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Vermont Student Assistance Corporation Student loan can't repay my loan can't get flexible payment options

November 3, 2016 - This is my 2nd complaint I 'm submitting against Vermont Student Assistance Corporation ( VSAC ). To sum up the unresolved issues : - In - -, I requested to lower my private student loan payments with VSAC to $ - for six months so I could make payments on my federal student loans that quality for loan forgiveness. VSAC denied this request even after I met with them in person and provided a full financial disclosure. - After two months of correspondence ( including my Vermont House and Senate Representatives and filing a complaint with the Consumer Financial Protection Bureau ), VSA...

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Loan To Learn Student loan can't repay my loan can't get flexible payment options

November 3, 2016 - I called this Loan to Learn this morning to inquire about a forebearance and yo discuss past due amount. They transferred me to their loan servicing department at -. The rep there was able to tell me how much was past due and how long, etc. However, she did not provide a lot of information about how we could work together. I asked about a payment plan and if they could work with me, the rep kept asking me how much I could pay. I told her the issues I was having and I would n't really know until -. No payment plan was offered, the rep said it was ultimately up to me how much I wanted to p...

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Citizens Financial Group, Inc. Student loan can't repay my loan can't get flexible payment options

November 3, 2016 - I am a graphic designer making $31000.00 a year ( before taxes so closer to $28000.00 ) with normal expenses ( food, rent, utilities, car payments, etc. ) and have not been able to get help on working out an affordable payment plan. My parents signed me up for these loans. Citizens Bank ( the loan company ) uses a service called - - for payment and are almost impossible to contact for help with loans. They allowed me to push back my loan payments by 6 months after I sent a hand written letter explaining that I can not afford the payments ( a monthly payment of $530.00, keep in mind...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

November 2, 2016 - I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans....

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

November 1, 2016 - I went to - - and told them that I only wanted federal loans. - - acknowledged that they would not take out any private loans ; however, they did. I did not find out that I had a private loan until - -/Naivent began to collect. I am unable to afford the high minimum high interest rate. Whenever I would speak to Navient they would tell me there are options available to me for repayment. When I ask about the options they state that I do not qualify for any of them and that I need to pay in full. Even when meeting my minimum payments it was all going towards interest. When I ...

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Citibank Student loan can't repay my loan can't get flexible payment options

November 1, 2016 - I first consolidated my - loans in -/-/-, Citi bank bought the loans and I was currently enrolled in another school at the time, so the loans were in deferment for many years. Anytime I was not in school I did make payments, however once I completed my - and was out of work, I put the loans in forebearance ... .or so i thought. I tried numerous attempts to make arrangements with Citi bank to cure my defaulted account, then finally gave up. Now they are over $24000.00 and in collections- I just got the letter today -/-/-. The wo n't work with you on anything. It 's either ...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

October 28, 2016 - I graduated -/-/-. I have not yet found employment. I am also in the process of filing for - ( due to many physical and mental ailments ). Navient, formerly - -, will not work with me to - monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments....

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Asset Recovery Solutions, LLC Student loan can't repay my loan can't get flexible payment options

October 25, 2016 - I am the co-signer for my daughter 's - Navient student loans which have been in default for approximately seven years. I am - and it is recognized by the Social Security -. I am also bankrupt. I filed Chapter - in - and - - in -. For years I have contacted Navient numerous times to try to get this loan out of my name since I will never be able to afford to contribute to its balance. I am not requesting that the loan is dismissed and forgiven ; I am requesting for these loans to be taken out of my name. I was told by Navient of ways to have my name removed ; however, th...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

October 4, 2016 - I have asked numerous times for help from Sallie Mae and continuously they have done nothing but offer forbearance I finally caught back up and again ended up falling behind. Today I received a call from their corprate bank asking to help resolve the issue. After several times of being cut off from speak the lady only repeated that they have given me the loan and now I need to pay them back. When I ask for options and help she instead of offering help from the company told me to ask my friends and family for money and told me to try filing for wellfare and food stamps. They refuse to offer me ...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

October 3, 2016 - As excited as we were when our son just graduated college -/-/-, we knew it would be just around the corner before the heavy burden of student loans approached. While he did find a job in his field in Tennessee, his salary is quite low and is enough to rent a decent apartment and take care of his day to day expenses. His loans will come to fruition -/-/- but the correspondence has started coming in. He owes $35000.00 to - on subsidized and unsubsidized loans which he hopes to get assistance with based on his salary. We as parents owe an exorbitant amount in Parent Plus loans whi...

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Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

September 20, 2016 - I received paperwork from Wells Fargo approximately in - of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement th...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

September 2, 2016 - Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please help....

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Higher Education Student Assistance Authority (HESAA) Student loan can't repay my loan can't get flexible payment options

August 23, 2016 - I took out NJClass student loans through HESAA during my time at - in -/-/--/-/- for which my mom was a cosigner. The initial loans we took out totaled approximately $80000.00 w/ a 6 % interest rate. My mother went into a 5-year bankruptcy in -/-/-. The student loans could not be discharged through the bankruptcy, as she was a cosigner. It was not until this year ( -/-/- ) once her bankruptcy was completed that HESAA, the administrating agency of the NJClass loans, reached out to my mother to inform her the loans were in delinquency and now totaled approx. $130000.00...

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MOHELA Student loan can't repay my loan can't get flexible payment options

August 11, 2016 - Mohela reported to the three credit bureaus in - 2016, but my - - rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do au...

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Sallie Mae Student loan can't repay my loan can't get flexible payment options

August 7, 2016 - I went to a - school for my - and had the opportunity to attend university abroad to obtain a -. This option was more affordable than to stay local and attend my same school so I took a Sallie Mae Loan. Sallie Mae unfortunately does n't offer income based enrolment programs so come 3 years after graduating with - degrees, I found myself unemployed and $180000.00 in student loan debt. But Sallie Mae was not understanding or accommodateing. In fact, they have not only harrassed my mother and myself by calling 14 times a day each, they attacked my co-signer, my - - - grand...

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Higher Education Student Assistance Authority (HESAA) Student loan can't repay my loan can't get flexible payment options

July 28, 2016 - This loan defaulted at a time when I was still in deferment in all other student loans. The company was impossible to communicate with and instead put my loan into default and his since issued a judgment. Every other student loan I have is current....

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Allied Interstate LLC Student loan can't repay my loan can't get flexible payment options

July 22, 2016 - On -/-/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of $250.00 per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of $130000.00 from 10 % to .001 % for the remainder of the payment terms. I called the collection company on -/-/16 @ - to accept the terms and set up automatic payments from my checking account. The first payment was to come out on -/-/16 which it d...

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Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

July 12, 2016 - After graduating in 2013, I had n't found a job during the six month grace period before payments would begin. I had difficulty finding a job in my career field so I settled for a full-time job at a family-owned distribution company. I worked there for two years and even after receiving a promotion, I still was not making enough to afford my monthly payment. I reached out to Wells Fargo multiple times for different options for repayment, but to my avail, none of them worked for me. They offered me only two months of forbearance, which I refused to do because I needed a lower monthly payment, n...

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AES/PHEAA Student loan can't repay my loan can't get flexible payment options

July 5, 2016 - I am currently on a long term modification with AES that is the servicer of the loan that was taken out by -/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact - becasue AES ha...

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AES/PHEAA Student loan can't repay my loan can't get flexible payment options

July 2, 2016 - I am a - Veteran, -. -. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ - and have paid on it for about 10years and I still owe around $ -+ on it. And I can no longer afford to pay for it, it is either food for my - boys or this loan? So it 's not a...

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Loan To Learn Student loan can't repay my loan can't get flexible payment options

June 29, 2016 - In 2007 I took out a student loan with Loan to Learn to help with my attendance at - University -. The loan required me to obtain cosigners and my grandparents agreed to do so ... never did we expect the scenario to turn into the nightmare that it has been. My loan is currently in a delinquency status with Loan to Learn and was passed to a debt collection agency called - - -. I have been trying to reach an affordable amount of money that I would be able to pay toward this debt and the debt collection agency has been dictating to me what amount of money they will accept which is ...

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Citibank Student loan can't repay my loan can't get flexible payment options

June 23, 2016 - I was not aware when I first entered repayment. Because of this, I fell behind in my payments. The monthly payments ( without the late fees ) were already impossible to make without assistance ( approximately $ -/month ). When I spoke to Citi, they told me " ask your cosigner ''. I informed them that my cosigner 's financial situation had changed and could not help me. I asked if there was a way to change my monthly payments or to return my late payments to the principle so I could try to make my payments. Every time I was told no, there were no options for me. When they asked why I was beh...

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Allied Interstate LLC Student loan can't repay my loan can't get flexible payment options

June 17, 2016 - On -/-/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of $250.00 per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of $130000.00 from 8 % to .001 % for the remainder of the payment terms. I called the collection company on -/-/16 @ - to accept the terms and set up automatic payments from my checking account. The first payment was to come out on -/-/16 which it di...

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AES/PHEAA Student loan can't repay my loan can't get flexible payment options

June 7, 2016 - I was in school for a long time. I received an - degree and wanted to further my education. I went on and received a - degree and then went on to receive my - which again had another - within the program. I owe - in debt - for federal loans and - private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 31, 2016 - I cosigned for a private student loan -/-/- for my brothers wife. They split up soon after and divorced -/-/-. She has paid the loan and been behind on payments as well. The loan has gone from - - to Navient. It 's has been - years. She had also put the loan in deferment, I believe for 2 years .This I did n't know about until recently. She is grossly behind on her payments and Navient is coming after me. My credit score has taken a nose dive. I had excellent credit - now to -. I should of been released from this mess along time ago. The divorce alone should of been eno...

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Alaska Commission on Post Secondary Education Student loan can't repay my loan can't get flexible payment options

May 26, 2016 - Currently have an Administrative Wage Garnishment in effect that is 25 % of my biweekly pay. This went into effect without knowledge of a summons. Contacted Alaska Commission on Post Secondary Education ( ACPE ) about the issue, and was told that they were able to proceed even without my presence or knowledge. Attempted to negotiate a payment plan, but was declined. ACPE told me the only way the garnishment would be lifted is if paid in full. Their other alternative was filing for a reduction from 25 % to 15 %. Filed the proper paper work and was denied even that. I am in a place where I can p...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 25, 2016 - Shortly after I - with my - in - 2015 I was contacted about the repayment process of my loans. My private loans are through Navient. The monthly payment was n't affordable ( still is n't ) by any means. I 've contacted them weekly to discuss any options that I may have. I was told that I could n't get a forebearance unless my loans were paid current. By this point I could n't even begin to make my account current. I provided them income verification and have done server all other steps to try to resolve my account. But I 've been told there is nothing they can do. Upon, further lookin...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 25, 2016 - This is my daughters student loan that I co-signed 10 years ago. - of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to - -, Senior Collections Mgr. at -. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for - -. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection e...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 20, 2016 - Navient is my private loan provider. I returned to school in -/-/- to pursue a - degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree -/-/-. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for - were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite havi...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 20, 2016 - I called Navient on -/-/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on -/-/2016 - five days after the due date for the student - loans. I called today ( -/-/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the -. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconne...

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JPMorgan Chase & Co. Student loan can't repay my loan can't get flexible payment options

May 13, 2016 - I have been paying Chase- - of my total Gross income ( which totals - of my Net income ) each month for - years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much ...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 12, 2016 - I had about - in student loan debt with navient. I recently consolidated with the federal government on all loans except - private loans totaling -. Since it appeared my private loans were close to repayment, my monthly payments spiked drastically and I am not able to pay them on top of my consolidated loan payments with -. My loan payments went from $80.00 to $400.00 after I consolidated. They wo n't stretch out my repayment term. When I tried to lower my payments, they said no. When I asked for a forbearance, they refused as well. They wo n't lower the interest, they wo n't d...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 12, 2016 - I have private loans with Navient ( - - ). I 'm a -, - with medical issues, working part time as a -, not what I went to school for!!! I have been making payments or been in some type program that " offers lowered payments '', and they automatically take money out of my account ( BIGGEST MISTAKE EVER ), payments were taken out that I did n't authorize. So I then had to open a new account and got behind on payments. The phone started ringing off the hook, they started at - every morning and continued till -. They called and harassed my co signers at home and their place of ...

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Wells Fargo & Company Student loan can't repay my loan can't get flexible payment options

May 11, 2016 - My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program -/-/2016. on - -, 2016 I received a letter dated - -, 2016 from Wells Fargo stating that my - loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me $310.00 a month on automatic withdraws. If I had known that the loan payments wer...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 9, 2016 - Over the past six years, I have been serving in the - -. Prior to enlisting, I attended -, where I paid for my schooling by taking out student loans. My father had lost his job during - and was -. I could n't believe how easy and quick it was to get a check in the mail from Navient ( - - ). Literally, a six-minute application and a week later, I had instant money. No questions asked. Even though I had no credit history, no employment, and most of the time, no co-signer, Navient threw money at me. I now know this is immoral and predatory. I saw - - as a means of comfo...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 5, 2016 - In my private student loan there are multiple issues. 1 ) I have a student loan with Navient and I have reason to believe that they are doubling on my rates to keep me behind in my loan. I requested the original loan documents on - of -, - of -, - - and just recently - - -. I have yet to receive any documents for the specific account I am talking about. 2 ) I believe they have changed the initial interest rate and are charging an excessive amount of late fees while approving a forbearance and allowing me to not pay down on my loan while it accrues interest. 3 ) ...

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

May 2, 2016 - For years and years payments were made to Sallie Mae for my student loans. The Balance did NOTHING! At one point I decided I needed to go on an interest based repayment for over $600.00 a month. During this time my loan collected nearly $5000.00 dollar in interest! My payments were $1100.00 a month. I would make a payment and then on my next billing cycle the balance on the principle would be $1000.00 higher then the month before after making a payment of over $1100.00. When I would call I would spend hours on the phone with hours of that on hold and receive no answers for any of my ...

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JPMorgan Chase & Co. Student loan can't repay my loan can't get flexible payment options

May 1, 2016 - I defaulted on my loan and could n't make the $400.00 a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to - at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, $19000.00. I could afford to pay $ - $150.00 a month, but not $400.00. ...

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First Associates Loan Servicing LLC Student loan can't repay my loan can't get flexible payment options

April 30, 2016 - Attended -. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining $12000.00 of my tuition. This loan was filled out in my name for now over $25000.00 with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over $400.00 a month from a fresh graduate. On top of having to keep current with my Federal Lo...

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Higher Education Student Assistance Authority (HESAA) Student loan can't repay my loan can't get flexible payment options

April 28, 2016 - Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance - was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give familie...

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AES/PHEAA Student loan can't repay my loan can't get flexible payment options

April 27, 2016 - I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making...

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AES/PHEAA Student loan can't repay my loan can't get flexible payment options

April 27, 2016 - I received loans in - to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by -. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in -/-/- and have been there since....

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Navient Solutions, Inc. Student loan can't repay my loan can't get flexible payment options

April 27, 2016 - -/-/- I received a - - Tuition Answer Student Loan in the amount of $20000.00. I am listed as the Student Borrower/Co-Signer of the loan. I completed - school in -/-/- ( A long time I know ) and then went to graduate school. I utilized forbearance and in-school deferment options all I could but during my 2nd year of - school I received notice that I no longer qualified for assistance and would need to start paying my loan immediately. The monthly loan amount was more than $400.00 per month and as a - student with a salary of only $5800.00 a year this was a strugg...

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