I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. 
In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. 
If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. 
No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. 
I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). 
I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. 

My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. 
I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan.