Product: Student loan

This is based on NAVIENT. First and foremost, I access the XXXX XXXX XXXX web site to keep track of my loans. My other loan, financed through XXXX, has my IDR at $ XXXX. XXXX keeps my data on studentaid.gov up-to-date. Navient is always N/A! I was under the impression my loans were paused due to the covid relief. I check the XXXX regularly to see if the Navient loans are showing a repayment date, but they only show N/A and HAVE only shown N/A for the past year. Again, I assumed it was something to do with the Covid relief pause. However, I get an email that my statement was ready back in XXXX. Once I logged on, I was SHOCKED to see that I owed {$2100.00} for my XXXX payment and ANOTHER {$870.00} in fees. so, I owed over {$3000.00} for ONE monthly payment. I reached out to them via their web site, asking why I was being charged while the Covid payment pause was still in existence and they emailed me, XXXX XXXX loans were not eligible for any type of Covid relief, and I needed to make a payment to bring my account current. This is the one and only I've ever received where they tried to explain anything to me. When I responded, stating the obvious, I can not afford a {$3000.00} payment, I got a form email back, telling me to apply for XXXX or request a Deferment or Forbearance. So, not knowing what else to do and trying to avoid a default situation, I tried for the deferment and was denied. I tried for the forbearance and was denied. I applied for the XXXX, and received a letter from studentaid.gov that I qualified for {$53.00} monthly payments. So, I log on to Navient, and now I owe the {$3100.00} AND {$53.00}. I have emailed and contacted them via their website, SPECIFICALLY DEMANDING they quit calling me at work and/or via my cell phone because I'm working when they call and I don't want to be harassed at work. One time, back in XXXX, I accidentally took the call while I was at work and they were telling me I needed to make a payment right then or I was going to get sued and have my wages garnished. When I requested they fix the XXXX payment to be the same amount of the XXXX that I qualified for, they said I did not qualify for that. I am so confused. They send me " statements '', but online I can't find any statements, just a dashboard. I've reached out to them via email and their online contact method, again asking for assistance to bring the balance I currently owe down, and every single time I get the same email, " Are you having trouble making payments? If so, contact us for possible solutions. We are ready to customize a payment solution for you, based on your income and other factors, and can guide you through the repayment process. Options may be available to help reduce or temporarily postpone your monthly payment. '' I HAVE CONTACTED THEM!!! I just keep getting ran around in circles, AND they reported me to the credit bureau back in XXXX!!! I fought their claim, and the negative item was removed from my report. They have again this month, reported me to the credit bureau that I'm 90 days delinquent in the amount of {$3100.00}. I just don't understand how they can demand a monthly payment that high!! Based on my XXXX, it would take me 53 MONTHLY payments to make that ONE XXXX. payment!!! I've even reached out to attorneys, because I just don't even know what else to do! I did finally receive a response that was personalized, but are yet again doing nothing to bring my payment down. Can they REALLY force me to make a payment where FEES ALONE are almost a XXXX dollars?! How is this even possible?! I don't know where else to turn, because they are demanding a payment that is over XXXX my MONTHLY salary! OH! And my daughter is currently enrolled in college, and I'm paying out of pocket for HER portion of tuition that isn't covered under loans/aid/grants. Thousands of dollars! I just don't get it. When I did the loan consolidation back in 2005, I thought Navient/XXXX XXXXXXXX were federally financed loans. I don't know when my loan became privatized. I don't understand how, anything works, and all they will tell me is that they won't backdate the XXXX ( even though they have ALWAY backdated in the past, especially for deferments and/or forbearances ). Now, however, if they backdate the XXXX by one month, they'll lose {$3000.00}. But if I'm NEVER going to be able to repay that month, what alternatives do I have? I can't write them of in a bankruptcy, but they are literally FORCING me to make a payment XXXX times higher than they know I can afford! I have tried, since XXXX, to work on bringing my payment down to a fair amount, and have received the same response that I will attach, repeatedly. Over and over. Only TODAY did I receive a personalized response, that basically says sorry not sorry, you have no choice.