Everyone, I need you to submit a complaint to the Consumer Financial Protection Bureau here: https://www.consumerfinance.gov/complaint/ The more complaints they get, they will begin to FLAG HESAA which can result in a formal investigation--currently this is how the CFBP brought suit against Navient. Right now, there aren't enough complaints to flag HESAA, but if EVERYONE, both borrower and cosigners, filed complaints, we very well may have enough for them to launch an investigation. Be extremely specific in your complaint i.e. if HESAA failed to send bills; if HESAA failed to offer you the opportunity to "re-age" your loan prior to defaulting; if HESAA misrepresented the loan type to you, etc...what the CFPB is looking for is UDAAP violations--which essentially are Unfair Deceptive or Abusive Act practices. We ALL know HESAA is in violation, but without your complaints, the CFPB cannot do anything to assist us. Even if you already filed a complaint, file another one and list all of the wrongs HESAA did to the cosigner and borrower. If you have any questions, please email me at debnbill526@comcast.net