I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.