Third Misconduct Denial – 1x w Navient 2x with MOHELA

Long time lurker.

Long story short, I attended the Academy of Art University, recruited at the height of their recruiting shenanigans that went to the 9th Circuit where they settled. Federal Loans discharged under SvC/McMahon. Sitting pretty (not really) with 102k owed on 50k borrowed.

Now, I'm on my final appeal.

I don't know how else to break down the harm and after the phone call today with MOHELA's advocate, I want to put my face through a wall.

First, there's no Navient contact to get more information regarding denial codes as they aren't customer facing and it's a "proprietary and confidential" information. The advocate couldn't go into detail about any of the denial codes. Couldn't do anything outside of give assumptions about what else could be added, and stated, "you could add all of that and it still be denied." I've been hit with codes 1-7 twice and Navient's, do not pass go, do not collect $200.

I recorded and transcribed the entire conversation with the advocate.

Stand out moments:

Codes 6-7 are being tossed out regarding SoL. When I questioned how that can be a determining factor when the school misconduct application wasn't released until 2023/2024, I received no further information.

When I expressed how my claims are alleged insufficient, I was circled back to Navient's proprietary and confidential process where I can't speak to anyone for further clarification.

Advocate validated the misconduct then circled back to Navient's process for a third time.

Reading personal harm narrative to advocate as they stated it didn't exist. Then recommended I expand on said personal harm. When I asked how, when application states harm couldn't be afforded, was circled a fourth time to Navient's proprietary and confidential process.

Stated on record by the advocate, "there's no regulation regarding private student loans."

The closing remark: "I will be completely transparent. You could do this and submit this documentation and it could not lead to an approval."

I'm at my wits end. I have variable rate loans currently at 14.2%.

I've emailed and called everyone from PPSL to Senators in hopes of help or direction and receiving silence. I've filed CFPB complaints. The CFPB went nowhere because Navient said it's MOHELA'S problem, but it's Navient decision. And I'm just lost.

I know I'm not alone.

I just wanted to vent for a minute before I submit my final appeal and pray because I've proved the school's misconduct until I'm blue in the face and the direct causal chain of their misconduct.

Thanks for reading 😭