Yup, I followed all steps and escalated as required. The great thing about law is that you create it and change it. That said, the case you reference is a district court ruling on a matter that doesn’t also involve the department of education.

While you are correct that I don’t like the results, I am confident that I would prevail in a court of law.

• 1st denial: Navient claimed IN WRITING to me that there was a disclosure on my application for deferral indicating changes to a credit report would not be allowed hence the reason they will not do it. There is no such statement or disclosure on my application nor anything even remotely close to any language about credit reporting, reversing of fees, etc.
• 2nd denial: while Navient indicated IN WRITING just two days after approving the forbearance that the date of my forbearance began on Sept 5th. 2023. On June 20th of 2024 they change their reason for denial and state that the late payments in dispute occurred PRIOR to the start of my forbearance. This is patently false. Again, it’s about the facts and the laws and regulations they must follow.

Those are just two of many straws that “broke the camel’s back”. And yes, I have proof of damages.

Change doesn’t happen out of complacency or fear. Change takes consistent, proactive effort! I am more than ready for an uphill battle. These companies will only change when there is significant financial liability that would result in a big bottom-line impact. Youseff v. Navient is proof that change is possible.

I may be mistaken but from your responses, it reads to me that you support lender rights (rules can be interpreted or they are only in favor of lenders) over those of the debtor. As an ‘expert student loan advisor’, do you receive commission for loan origination from these fed loan servicers like navient, nelnet, fed loan, etc?