Product: Student loan

***This is a resubmittal for complaint number XXXX ***Last complaint was sent back due to " Unauthorized third party '' **** Originally I was put on a Graduated Repayment ( i believe in either XXXX or XXXX ) for {$130.00} and paid that without missing anything. When I was told in XXXX XXXX that this would be changing I applied for Income Based Repayment via the student loans.gov website. The first time i applied was XXXX XXXX, XXXX. The application is still pending on the site because it said I needed my wife 's tax returns. I figured this was a mistake because I thought I applied for " Married but filing separately '' so i applied again on XXXX XXXX, XXXX. Same scenario, I heard nothing from the website and that application is still pending on that website to this day. Sometime between XXXX XXXX and XXXX XXXX, XXXX I filed another 2 applications before finally calling Navient and trying to get squared away. During this phone call I was told all I needed to upload were most recent check stubs, which I did. For some reason I can not find these on the Navient website. During all of this, I 'm seeing that my monthly payments were varied as high as $ 400+ to {$280.00} and having no idea what to pay so I waited, against my better judgement. During the phone calls I specifically asked if while I was waiting for a response if missing the payments would affect me and was told no. In XXXX i started receiving delinquency notices, the phone calls started, and finally in XXXX my credit score dropped over 150 points. So i drafted a letter to Navient explaining that I was still waiting for them to contact me about IBR and if I did n't here from them, I would seek advice from a lawyer and file complaints. Which brings us to today. What I did to mitigate the missed payments since I never had a true total monthly payment amount was add the original {$130.00} over 4 deliquent months and added the accumulated late fees which came to a total of {$540.00}. I spread this total over the loans proportionally to the amount of the individual loan. Shortly after I made the payment and wrote the letter about seeking a lawyer and filing a complaint, I received this from Navient : " Thank you for contacting us in regards to your request for an Income Driven Repayment plan. I can certainly understand your concerns and will be happy to assist you with your inquiry. I apologize for any inconvenience this matter has caused you and hope the following information is helpful and alleviates your concerns. Your request for an Income Driven Repayment plan was approved and your total payment amount was calculated at {$240.00} effective XXXX XXXX, XXXX. Disclosure Notices with your payment amounts and effective dates were sent via email. Please allow 24 to 48 hours for delivery. Please note that although your scheduled payment amount is {$240.00}, the present amount due on XXXX XXXX, XXXX, is {$56.00} due to extra funds previously received. An administrative forbearance was processed to bring your account current. '' While I am glad I finally got an answer from them, I find this to be less than sufficient for more than a few reasons : 1. The amount is too much for me to pay ... my income has n't changed so why should the payments? I had a stellar track record of on time payments as well. 2. I sure do n't want a forbearance for the missed time because I feel like i made more than an enough effort to continue with on time payments. 4 application attempts, phone calls, emails, and the {$540.00} payments including fees to cover loss time. Side note : Almost all of that {$540.00} went to the interest of each individual loan. I would like that to be fixed as well. 3. My credit score. This was the most upsetting for me because I took great effort to climb out of that hole over the years, and making years of faithful payments was the main reason for climbing out of that hole. My goal here is to get back on track with the loans. I would like to get as close to the {$130.00} payment as possible since my income has not changed, i would like the {$540.00} to allocated accordingly over each individual loans ' principal/interest/late fees, even if my math was wrong I and willing to make up the difference so far as how its allocated is done properly, finally I would like my credit score fixed. That is definitely my biggest and most important concern.