Product: Student loan

I am a graduate of XXXX University and currently have multiple student loans with XXXX XXXX, now known as Navient. My student loans have now or are in the process of switching over to collections. I have tried to work with both XXXX XXXX and Navient to make payments under a financial payment plan. However, neither company wanted to work with me and came up with their own amount that they wanted me to pay for the loans, which was quite a lot for me. I was able to make a few payments of what they were wanting me to pay with automatic withdraws from my checking account. There was a few time that I would ask to just have my payment to be taken out a day or two later than the due date due to my paycheck date and they refused to do it. I would have insufficient funds and would be charged fees at my bank account, because they would n't push it back. They kept telling me that if I stayed on the payment plan I would go into good standing and I never was put into good standing even after being on this plan for a few months. My cosigner along with myself would send in payments, because they would send my cosigner papers stating I was late when I was not, so she would in turn send in more money to them. I have always said that the payments that we were posting were not posting correctly and they were just keeping our money. It was hard to verify that due to myself and my cosigner paying different times. When we called to ask they always justified the payments somehow. My student loans have sky high interest rates, even with my cosigner! The interest is still climbing and there is nothing they are willing to do to help me. I have tried to consolidate my loans with another company, but unfortunately my debit to income ratio will not allow me to do so. I have also asked the companies themselves to consolidate my loans and make one payment instead of individual payments, but they said they could not do that either. I have been forced to be but into deferment/forbearance before due to them not working with me during difficult times. I have often thought it would be easier to deal with a collection agency or to have them garnish my wages to have a cheaper payment. I should not have to feel that way with a company that was willing to help me further my education. XXXX XXXX ( Navient ), and the collection agency that my loans called XXXX XXXX XXXX have continuously been calling my employer, cosigner, and myself nonstop! I currently work at a doctor 's office and they have been told over and over again to stop calling the office by myself, co works, and office manager, but they continue to call!!! They have also send over multiple papers that they have requested my employer to fill out which they have and always do and yet they still continue to call me. I have tried to explain to them that my hours are the exact same as their hours are and the easiest way to get a hold of me is through email, but they will not communicate that they. It is very hard and frustration to work with a company that is not will to work with you on payments or even listen to you after you have been telling them not to do something and they continue to do it. My cosigner has tried to talk to them as well and work out something as far as payments go and they are unwilling to work with her either. My cosigner is in a fixed income, which they knew that, and they are requesting most of her income as a payment for the loans. If she was to pay it she would not have enough money to survive and they do n't care. My credit score has completely declined over the years due to this company reporting to the credits that payments are not made when they had been. I have plenty more I would like to complain about however we are limited of what we can say and in completely understand. If something could be done about these issues I would be forever grateful.