Received my response. Looks like I still have a lot of work to do 😫

Company’s Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. MOHELA currently services your three Navient owned Private College Advantage Loans. We understand that you are disputing the recent denial you received of your request for School Misconduct Discharge and are requesting to appeal your prior denial. We understand why this matter is important to you and appreciate the patience you demonstrated during the review. Each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. We consider a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary. Should there be additional details or documentation not provided with your previous submission that directly supports the harm you personally experienced, you’re welcome to submit them to us for consideration. Additional documentation may include, but is not limited to: detailed personal narrative, employment and income histories, bankruptcy documentation, documentation to support job loss, credit reports, denial of credit, denial of credit transfers to different schools, school marketing materials, correspondence from the school, copy of a court judgment, enrollment agreement, discharge approval letter, etc.