Date Received: 2018-11-14T00:00:00.000
Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I ended XXXX school in 2003 with approximately 80,000 in debt. I have been paying most of the years since with few exceptions. My debt is now XXXX Since I was a XXXX XXXX since 2003, I applied unsuccessfully for the Public Service Forgiveness program, learning that I needed to first consolidate. It was not made clear to me that my previous years in public service would not count. Additionally, I qualified for Income-Based Repayment prior to consolidation, thinking my loans would be forgiven after 25 years. Again, it was not made clear to me that my timeline would reset upon consolidation. I am so frustrated with Navient, can not make sense of how my payments have been applied, and I overall believe the company to greatly lack transparency in their loan practices. Further, it seems the Dept. of Education must make clear what happens with consolidation. I need relief of this debt! I even left my job teaching literacy and writing in higher education because I thought I would be able to count my years of service toward loan forgiveness.
Company: Navient Solutions, LLC.
State/Zip: IA 528XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3074601
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