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test 4
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CFPB-2013-0004-3903,Kathy,H,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. The only reason I have been able to negotiate is because I have stayed in school and have had a deferment applied to my loans. That will end after June of 2013. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I haven't had enough experience working with them to find out. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3903
CFPB-2013-0004-3904,Kathy,R,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. It has been awhile since I made the request. I apologize that I don't remember many of the details. I vaguely remember feeling that the customer service agent was not very sympathetic but I was also embarrassed to admit that I couldn't take care of my debt so my memory of the conversation may be skewed. I currently have all of my loans in deferment. I can't make the payments. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I do think they are professional. I don't have any complaints about them, just angry with myself that I have so much student debt. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3904
CFPB-2013-0004-3905,KATHY,S,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I HAVEN'T HAD TO START PAYING THE LOANS BACK YET. I'M STILL IN SCHOOL. MY CONCERN IS WHEN I HAVE TO START PAYING THEM BACK, WILL THEY BE AFFORDABLE? THE COLLEGES DON'T GIVE YOU ALL OF THE PELL GRANT (FREE MONEY) SO IT MAKES YOU HAVE TO GET A LOAN. RIGHT NOW TODAY I AM FINANCIALLY STRAPPED! WITH GAS PRICES AND OTHER BILLS I'M BARELY MAKING ENDS MEET. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? N/A HAVEN'T HAD ANY CONTACT WITH THE LOAN PROVIDER. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3905
CFPB-2013-0004-3906,Katie,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Would not defer loans while i was unemployed How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Interest rates are ridiculously high. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3906
CFPB-2013-0004-3907,Katie,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Very unhelpful and cold. Just say there is nothing they can do to lower the payments even after I said I could pay some just not all. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Unprofessional and difficult to work with. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3907
CFPB-2013-0004-3908,Katie,B,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. A $20,000 loan in 1991 exploded to over $80,000, because of interest, due beingunderemployed for 10 years. I will have a monthly payment of over $600 for 30 years, untilI'm 74! On a loan that was originally $20,000. Does that sound fair? It's indenturedservitude. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? All of them, private loan providers and [Redacted] coul care less about the situation manyof us are in. It's an awful way to live. Even when you try to do the right thing, it justdoesn't matter. Being under-employed for so long and putting my loan in forbearance,where the balance mushroomed, isn't important or concerning for any of thesebankers/providers. It has been life-changing for the worse. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3908
CFPB-2013-0004-3909,Katie,C,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. n/a How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? n/a ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3909
CFPB-2013-0004-3910,katie,d,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Haven't tried. Everything seems to be at a locked-in rate. I didn't know this was negotiable... How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? My lender is a big box bank raping me with interest rates and they don't need that money. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3910
CFPB-2013-0004-3911,Katie,G,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. They tell me that it is not possible. That I signed for these loans and I need to pay the total amount due each month or I get charged with additional late fees. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Horrible. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3911
CFPB-2013-0004-3912,Katie,H,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I'm on an income based repayment plan so as of now I don't pay anything towards my loan. My husband is also a chiropractor and in the same position. We owe close $400,000 and our interest rate is 6.8%. We will have to start paying this year and I'm terrified. We can barely pay our 'living' expenses. We have a 3 yr old and our second child is due in June. We would greatly appreciate any help we can get with reducing our loans. Our payments will be $3,800.00 once we start paying!!! :-( ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3912
CFPB-2013-0004-3913,Katie,L,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. n/a How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? I have [Redacted], they have been nice when I talked to them but I don't think [Redacted]itself is a good company that cares about the people it gives loans to. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3913
CFPB-2013-0004-3914,Katie,W,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I have not been able to get affordable payments, but I have had them on forebearance for the vast majority of the 4 years since I graduated. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They have moved my debt around literally 4 times. Personnel has been professional, and they are difficult to work with because their policies do not allow them to change repayment so that it's affordable. I have avoided it because there isn't a chance in hell I can afford basically another rent amount with at 35,000 income. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3914
CFPB-2013-0004-3915,katrina,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. theydidnt seem to understand they just because i have a job doesnt meen i can afford $500 monthly payments How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? rude nasty ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3915
CFPB-2013-0004-3916,Katrina,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I make only $27k and when I called and talked to them, the lowest they could do per month was $363. And this is just ONE LENDER, I went into graduate school so I have not tried to negotiate with the other lenders because they never came into repayment. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Professional definitely but they were not willing to work with me to a certain point, even when I told them there was no way I could afford payments. They just said, ""This is as low as I can go."" ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3916
CFPB-2013-0004-3917,Katrina,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I am still working on my 2nd Masters Degree and because of a scholarship I now have an adjusted financial aid need and owe the University $4500 in addition to the private loans. A private lender will not loan the $4,500 of tuition because I have reached my annual loan amount of $20,000 annually. I am a mother, I have a mortgage and I have bills to pay. $20,000 a year is a not enough and these systems are not working. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? The system is not working because once you have a loan it is considered debt however if a graduate is looking to start a business in their area of expertise then they do not qualify. The system is difficult to navigate while in school and universities are unable to help graduate students with families to secure additional funds for childcare and living expenses. When the tuition is not pain in full then the debt may cause a student to not finish finish their education and therefore the debt is for nothing. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3917
CFPB-2013-0004-3918,Katrina,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Currently my loans are on hold, but collecting interest, as my doctors have told me not to work (I've applied for disability). I had no problem getting my lender to allow that. Previously I asked for a lower interest rate and they did lower mine with no problem. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They are professional. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3918
CFPB-2013-0004-3919,Katrina,NA,,,,Young Invincibles, How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? interest rates are too high for student loans ,http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3919
CFPB-2013-0004-3920,katrina,c,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Asked for lower payments while doing americorps service. They provided no option...stopped paying and had to finish with settlement (my dad helped) they called me 5 or 6 times a day starting at 6am, felt like id never be able to pay it off with the interest How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Difficult and unprofessional, no understanding of situation. Created anxiety to where I didn't want to try dealing with it at all ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3920
CFPB-2013-0004-3921,Katrina,N,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. The lender already had a table in place that would allow a lower monthly payment. I didn't qualify according to that table and there were no other options or negotiations. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I have not had the opportunity to speak with anyone regarding my situation. I was immediately denied on my online application. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3921
CFPB-2013-0004-3922,Katrina,S,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. They are unwilling to accept that I have no income - and have not for quite a while. They are insisting on minimum payments far out of my reach so I have not made any payments. They are now claiming my income tax refunds. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3922
CFPB-2013-0004-3923,Katy,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. My lender, [Redacted], allowed me to make interest only payments for one year. They alsogave me a two-month forbearance with the understanding that I would NEVER be able to makeanything less than the standard payment for the remainder of the loan. I owe themapproximately $75,000 and my payment is $762/month. I have been able to barely squeeze by.When I came out of law school I had 200k in debt (between undergrad and graduate school)and my starting salary was $62,000. Luckily I found a better job and my salary has beensteadily increasing, but there is still no end in sight at this point. I am three yearspost law school and I am still living paycheck to paycheck, it is frustrating to say theleast! I have every intention of paying my loans and I consistently make timely payments,in full, because I am so scared to hurt my somewhat decent credit. But, it would be niceto get a little more wiggle room from [Redacted]. I also have put all my federal loansinto forbearance, I simply can't afford all the payments and still afford to live. I amterrified when next year, I will not be able to defer my federal loans again. I don'tknow how I am going to be able to make ALL the payments. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? I am disenchanted with [Redacted] at this point, but they were a necessary evil forcompleting school. I now bank with a credit union and could not be happier. I can't waitto get [Redacted] out of my life, forever. Unfortunately, that won't be for a very long time. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3923
CFPB-2013-0004-3924,Katy,A,,,,Young Invincibles, How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I've never worked with them! But I was hugely surprised when my federal student loan was suddenly being sold to a private loan provider without any agreement or real notification to me. ,http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3924
CFPB-2013-0004-3925,Katy,B,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. They wanted a huge lump sum up front to then only lower the payment by about $10/month. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? It really depends on who I get on the phone, some are professional and very fair, others try to bully me into making a payment. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3925
CFPB-2013-0004-3926,Katy,T,,,,Young Invincibles, How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? n/a ,http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3926
CFPB-2013-0004-3927,Katya,L,,,,Young Invincibles, How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? There is no provision for deferment or forbearance like there is with a federal loan. It's pay up or else. There is no negotiation available to try to get your loan rate lowered or your pay-off time extended. ,http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3927
CFPB-2013-0004-3928,Kay,B,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I don't know what their answer to her was, but they call her nearly EVERY day of the week to ask her to pay more than she is. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They are generally nice to her, but recently she just stopped answering their calls. She can't do any better than she is doing in re-paying. She does NOT intend to default. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3928
CFPB-2013-0004-3929,Kay,R,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. They would claim I qualify for a new program,put me through a rigorous application process then say I have expendible funds enough to pay the full payment amount so I don't qualify. Or I would get a letter talking about a new program, please call. Then when I called the rep would not know anything about any such program. I even had one fall just short of accusing me of being a liar and demanded I explain the program to them. When I said I didn't know about it, that's why I was calling they replied with ""Yeah, right"". How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Unprofessional & difficult. They call work and when I say I can't take personal calls there they say ""Okay, how much money can you give me right now?"" I cannot get rid of them and end up hanging up on them. If I tell them my account is overdrawn they say ""Okay. How much money can you give me right now?"" ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3929
CFPB-2013-0004-3930,Kayla,A,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. All [Redacted] was able to offer me was a refinancing option. However, I have done thistwice, and they were not able to offer me loan terms that were much different than what Iam currently dealing with. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? They are professional when I speak with them on the phone, but they are not willing toextend my loan terms or lower monthly payments. Even a simply $100 a month would be hugehelp, but instead I keep having to apply to refinance my debt and possible dig my hole deeper. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3930
CFPB-2013-0004-3931,Kayla,Z,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I was working 60+ hours a week but only making about $800 a month. Rent and utilities were close to $750, and my monthly payment for federal and private loans together was about $250. I had to apply for a deferment, and eventually when I was making a little more money I began paying at a lower rate. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3931
CFPB-2013-0004-3932,Kaylyssa,H,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Luckily I have only a small amount of private loans, however the total cost of my monthly student loan payments ($450) is higher than my rent or any other bill and makes saving money or making life changes (marriage, house, kids) very difficult. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I haven't had any problems but I have been able to make all my payments so far. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3932
CFPB-2013-0004-3933,Kaysi,B,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. I tried to consolidate with another loan company and [Redacted] denied. I try to makepayments for which I can make, even if it's $100 and they still harass me. They have takenmoney from my bank account even after I had already made a payment to them. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? [Redacted] is the worst loan company I have ever experienced. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3933
CFPB-2013-0004-3934,Keely,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. My interest is set at 8%. Lowering my payments has been impossible until recently I have been told I can submit an IBR to lower my payments from $795 to around $200. I am in the process of submitting this form, I have been denied in the past. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They call constantly when my $700+ payments (which I can't afford and are more than my rent) become overdue. When I become 90 days past due, they call everyday at least 3X's a day on my work and cell. I have told them in the past that I can NOT afford payments over $250. I work for a non-profit. The only thing they have offered me is forbearance or financial hardship which pushes my loans out even further with no payments. Or, they offer interest only payments which are $595/month. My interest alone is over $45 Grand! ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3934
CFPB-2013-0004-3935,Keely,W,,,,Young Invincibles," How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Unreasonable, and completely unsympathetic. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3935
CFPB-2013-0004-3936,Keila,E,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. The reps at [Redacted] were no help. Everytime i called, I got a different story. Somewere threatening and harassing How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? Unprofessional and difficult to work with ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3936
CFPB-2013-0004-3937,Keilah,F,,,," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. I am in Chapter 13 so loans are in temporary forbearance for 4 more years but drawinginterest How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? I am afraid I am going to default and will never find a better job which would make itpossible for me to pay off the loans and I am shocked that they are so high. I am stuck ina bad upside mortgage and car loan because I had to go to [Redacted] and pay twice bookcost plus exhorbitant interest and I have spent about $2300 in repairs so far on top of$190 biweekly payments and I cannot get any relief anywhere. I graduated with a 3.82 GPAyet I cannot find a better paying job. :'( ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3937
CFPB-2013-0004-3938,Keira,G,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I have called and they have offered different payment options. However, due to my current salary and their not taking into account the full amount of my other monthly payments the lower amounts due tend to not be low enough to really help my financial situation. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? when I have called the personnel has been professional and fair. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3938
CFPB-2013-0004-3939,Keisha,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. All I could do was defer them for a few months. There was no choice to lower the payment. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? No choice for lowered payments is an issue. You'd honk they'd take some money vs none. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3939
CFPB-2013-0004-3940,Keisha,G,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. Right now the very lowest payment I can make on my [Redacted] loan is $368 per month.That's interest only and I'm going on year three of interest only payments. My loan hasGROWN in the past two years of paying almost $400 every month. [Redacted] would not golower than that and will not allow any part of it to go toward principle. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? They're professional to work with but was not properly advised at 17 years old what kindof decision I was making by choosing to go to an expensive four year school - that therewould be no pay off at all. Sure, I earn a little more than most people with only a highschool diploma, but the little bit more I make in my job does not cover monthly studentloan repayments. I'm just as impoverished as anyone who never bothered going to school.Maybe even worse off. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3940
CFPB-2013-0004-3941,keith,NA,,,,Young Invincibles," How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? The people that are employed to discuss my debt are nice and courteous. The reality is they gave an 18 year old with a poor understanding of economics over 50 thousand dollars. It was a bad investment on their part and a bad decision on mine but while I wish to assume full responsibility for my choices, I can not. It's like giving a young child a candle and he or she burns themselves. What did you expect? I was enculturated by this society, by all my adults, by television, by politicians scheming that you either do this or you're fucked. As we're simply contingencies, that is I exist as I do because you have made as I am, I reflect the failure of America. I am a modern day wage slave. I work. I sleep. I eat. I get plenty of phone calls informing me that they're going to piss all over my credit score because of a mutual decision we both made. Oh well. If you can manage to bail our economic institutions that are too big to fail while seemingly being too big to prosecute then you can bail my ass out. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3941
CFPB-2013-0004-3942,keith,b,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. I applied for an Income Based Repayment Plan with [Redacted]. When I called them to askfor help with the application, they attempted to talk me out of signing up for thisoption. They claimed that ""your payments will quadruple next year so it is not smart foryou to do this."" I applied anyway. After answering a call from them regarding my monthlypayment, I asked about my application status, only to find out I was declined. Theirexplanation was that I failed to sign and date the document. The interesting part is thatI faxed the EXACT SAME documents to [Redacted] and [Redacted], and both were accepted.[Redacted] blatantly lied to me about my application, further delaying my paymentpossibility. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? They have no problems with calling my phone multiple times a day if I am a day late on mypayment. Yet, when I call for assistance I am repeatedly transferred through departments.Nobody seems to ever have an answer. That is, once I finally talk to a person after thecarousel of automated message systems. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3942
CFPB-2013-0004-3943,Keith,E,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. I asked for lower payments equal to what they would garnish and they refused. I have sincefiled for bankruptcy so that they can not call and harass me in hopes there will be newlaws to include private student loan in bankruptcy. At that time I will refile. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? [Redacted] is the most horrendous predatory lender anywhere. Yes my fault I took the loanbut I only made $50000 and got a loan for $80000. They have an internal credit agency([Redacted]) and once it is transferred to [Redacted] an automatic 25% is tact on. I haveNO HOPE of ever owning a house or retiring. I have even considered moving out of countryso they can not find me. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3943
CFPB-2013-0004-3944,Keith,G,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. None, can make my payments and am doing so. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? No contact. I just make all payments on time. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3944
CFPB-2013-0004-3945,Keith,P,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. The bigger the loan, the more receptive lenders tend to be about changing payment options. The smaller the loan, lenders are generally unwilling. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Depends who. Larger loan providers are usually pleasant to work with. Smaller, not so much. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3945
CFPB-2013-0004-3946,Kela,H,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I am currently in default with the loan provider because they were unwilling to negotiate on the terms at all and any partial payment was returned. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They took advantage of people who were desperate for funds to complete their degree. During discussions about the loans they made it seem like I would have the same deferment options as with my federal loans but that turned out to be false. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3946
CFPB-2013-0004-3947,Kelcie,W,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I've been on medical leave from school due to an autoimmune disorder and they were willing to put a temporary forbearance on the account until fall when I hopefully am well enough to return to school. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I think the lower paid employees understand that the current system is really unethical and they try as hard as they can to be nice and help you if they can. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3947
CFPB-2013-0004-3948,Kelcie,W,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. After I graduated with my first Bachelor's in 2010 and my grace period ended on my student loans, I found it very difficult to understand who the holders of my loans were and how much I was supposed to be paying each month. I ended up making a few payments late because I wasn't even sure who I was supposed to pay and no one tried to contact me. Now I've got it organized but as a new graduate I found it very distressing. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? The customer service I have received thus far has been very professional and courteous. My impression of the company in general, however, has improved since 2010, when it felt like I was being taken advantage of and misinformed. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3948
CFPB-2013-0004-3949,Keli,M,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I have used all of my deferments and am currently not paying my student loans, which are approx $600 per month. I am not currently employed. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Unhelpful and not understanding of extenuating circumstances. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3949
CFPB-2013-0004-3950,Keller,H,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Told them this is all I could afford and they said I would need to make at least 1300.00 a month payment so I wouldn't default or continue to gain interest on my private loans. I said these payments literally take my whole paycheck and then they proceeded to tell me if I had family that could help. I said no, my parents have 5 other kids they are co-signers on. They then went back to the 1300.00 a month. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They sell you the dream when you need it and turn it into a nightmare when you graduate. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3950
CFPB-2013-0004-3951,Kelley,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. I am in the middle of trying to negotiate and consolidate all loans, private and federal. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Yes ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3951
CFPB-2013-0004-3952,kelley,NA,,,,Young Invincibles," How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? I just feel that new loans keep popping up I consolidated all my loans which was 45,000 now about the same amount has shown up other places I feel like it is a scam or a rip off.. .. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3952
CFPB-2013-0004-3953,KELLEY,W,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. ABLE TO LOWER PAYMENTS, BUT IT WOULD INCREASE THE LENGTH OF TIME TO GET THE LOANS PAID OFF, AND DUE TO INTEREST RATES, WOULD MEAN MORE MONEY I WOULD BE PAYING How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They are fair to work with but the ultimate problem is the amount of money I owe and the consequences of extending my payments due to interest rates ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3953
CFPB-2013-0004-3954,Kelli,M,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. My lender did re-negotiate my payments fairly easily. The one thing I don't think is fair about student loans is that once you consolidate loans you are stuck at the consolidated interest rate for the life of the loan. So, if rates go lower you don't have the option to re-finance which would be very helpful in paying the loans off quicker. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? My loan provider has been helpful overall. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3954
CFPB-2013-0004-3955,Kellie,Z,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. To date I am currently enrolled as a full time student. I have not had to make payment arrangements. I currently pay monthly portions of interest for the private loans I have received. I am distressed because the Clinical Internship that I am currently completing is forty hours a week, for eighteen months, and I have not had any type of income other than student loans. I am also concerned about interest that is accruing from my government loans. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? To date my experience has been fair and professional, but due to my lack of employment for the past year I am concerned that the mounting debt will be an issue once I enter my profession. I have accumulated medical debt, and suffered high interest rates sacrificing employment to further my education. I am hopeful that my choices will reward me with a long term secure career, but I am often worried that my student loan will hinder my financial security for a minimum of ten years post graduation. At times it seems overwhelming and discouraging. I am extremely happy with my educational success and I am motivated to continue my success in the field of Diagnostic Sonography. It seems very unfair that I have not received any help from creditors, or medical institutions to alleviate the mounting debt I have accumulated from my pursuit to improve my life and become a stronger contributing member to society. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3955
CFPB-2013-0004-3956,Kelly,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. When I first received my monthly loan amount it was close to $300 (that is for only one loan company), I let them know I would be unable to support this amount with the other loans I have and to lower it. They were not very willing to lower it but they did, only by a small amount, it was still over $235 How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Most of the time they are professional however do not like to lower monthly payments to help out, plus if you need to put loans on forbearance there is a fee attached. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3956
CFPB-2013-0004-3957,Kelly,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Not help, no one will explain anythng ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3957
CFPB-2013-0004-3958,Kelly,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. N/A How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Difficult to work with. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3958
CFPB-2013-0004-3959,Kelly,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. My only option was to put my fed loans in forbearance and keep putting them in there.. butthat doesn't stop the interest that keeps piling up. The private loans are costing me $50a month but my grandmother is having to pay it for me since, for the moment, im onlymaking $100 a week. If I take the fed loans out of forebarence the payments move up to$150+ a month. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? As much money as [Redacted] is making you would think they would have lawyers to help someof us who feel we are paying for and education we didnt get. I made numerous complaintsagainst [Redacted] and the lack of education I was given. I honestly have no problempaying for 3 month worth of education when I had good teachers but the last 6 months werehorrible. [Redacted] doesn't give a hoot. Even got one of the gentlemen to admit theyhad received several complaints against them. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3959
CFPB-2013-0004-3960,Jerome,G,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. They did not respond to the idea at all, as if they had never heard of such a thing. I signed the promissory note originally and that was that. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? They are extremely difficult to work with. If I am one day late the calls are non-stop. They do not offer anymore forbearance or deferment for the life of my loan (another 17 years!) and they actually -raised- my payment recently (on a fixed interest!) ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3960
CFPB-2013-0004-3961,Jerome,G,,,, Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Not a private loan student, I have tried to make payments and arrangements to pay back my federal student loans. It is getting to be a hardship. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Not applicable ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3961
CFPB-2013-0004-3962,Jerome,H,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Initially I was offered forbearance, but after a few years I ran out of forbearance time. Eventually I could no longer afford my student loans, and they were charged off to another company. Times were hard, but it didn't matter. They told me because the loan was private, there was less that they could do for me. Now I am paying what I can, but my credit rating has been severely affected and I'm living to pay my loan. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Well, I was 19 when I took out the loan. I just wanted to finish school. Almost 10 years later, I'm a prisoner to these payments. They offer me settlements that are unrealistic (i.e. 32,000 up front and they'd erase the rest of the debt), and are not empathetic at all. I would consider them to be professional, but extremely difficult to work with. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3962
CFPB-2013-0004-3963,Jerreth,C,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. They said no, there is nothing they can do other than a deferment or forbearance. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Terrible they dont work with you no matter what. They are chargeing me 12% interest. I pay 47% on my monthly income on private school loans. The rest goes to rent and food. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3963
CFPB-2013-0004-3964,Jerry,NA,,,,Young Invincibles, How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? cut throat REDACTED. ,http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3964
CFPB-2013-0004-3965,jerry,a,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. super How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? very professional ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3965
CFPB-2013-0004-3966,Jerry,S,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. The private lender was willing to work with me regarding adjusting my loan. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Fair ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3966
CFPB-2013-0004-3967,kelly,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. Last summer when I had to quit my job, I called my private lender immediately to inform them and ask what my options were since I had no source of income. The woman repeatedly told me that i ""have no options at this time"". I asked her what would happen when I was unable to pay due to not having a job and she just kept repeating that I had no options at that time and refused to say anymore than that. Also, I began taking classes again in the fall and it has taken me over a semester to get a deferment worked out with a different private lender. Every time I called, they gave me a different answer on how to obtain a deferment. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Very difficult! ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3967
CFPB-2013-0004-3968,Jess,NA,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender ingaining affordable payment options, particularly when payments were causing you distress. I've contacted REDACTED on many, many occassions to try and lower my monthly payments. Theanswer was always that I was at the longest term possible (20 years) and that there wasnothing I could do short of a voluntary forebearance. Basically, since I have threeseparate loans from REDACTED, a voluntary forebearance means that I pay them $150 forthem to stop calling me 20 times a day for 3 months, so that they can turn around and adda huge amount of money to my principal after that 3 months. I've done it multiple times,because there have just been months that I couldn't make ends meet without it. I have a""good"" full-time job (a non-profit administrator), but I make only about $25,000 aftertaxes. My student loan payments far exceed my rent payments, which I've always been toldshould be your highest expense. The best advice I've ever gotten from REDACTED was ""maybeyou should increase your income."" Re-negotiated terms, a financially regulated cap oninterest rates (and please pro-rate them!!!) for student loans, NOT having the federalgovernment insure REDACTED's every last penny so they gut you for triple what you took out- any of this would help. In my experience, the negotiability of terms between federalloans and private loans is criminal - private loan debt and their unwillingness to workwith lenders makes my life a lot, lot harder. How would you best describe your overall impression of your private loan provider? Wouldyou consider personnel to be professional and fair or unprofessional and difficult to workwith? The personnel is ""professional"" in the terms that they read their scripts well when I callin crying, but I have never felt any particular care or empathy toward my situation or myrequests - unless the phone call ended in me handing over money. REDACTED is RELENTLESS(5-10 times a day) with their communication - calls, emails - after just 10 or 15 days ofa late payment. I think about my student loan debt every single day, and my experience hascaused me an incredible amount of psychological and emotional stress (even when I pay mybills!). I completely believe that REDACTED has absolutely zero interest in helpingstudents achieve educational goals - their interest is in profit - despite how they marketthemselves. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3968
CFPB-2013-0004-3969,Jess,S,,,,Young Invincibles," Please describe in detail your experience trying to work with your private lender in gaining affordable payment options, particularly when payments were causing you distress. What really pissed me off was ""deferring payment"" caused my interest rates to go up. If I can't afford to pay now because of financial hardship, what makes you think I'd rather ""defer payment"" just so I can owe more in the end! Makes me want to just not pay at all. How would you best describe your overall impression of your private loan provider? Would you consider personnel to be professional and fair or unprofessional and difficult to work with? Rude to work with. The people at the other end of the line have no sympathy for your situation. They are just trying to do their job. ",http://www.regulations.gov/#!documentDetail;D=CFPB-2013-0004-3969