Consumer complaint received 2017-11-22
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated from Iowa XXXX with a XXXX in XXXX XXXX in XX/XX/XXXX with a balance of {$60000.00} after the accrued interest during college had been capitalized. I set up my payment plan based on income online with XXXX XXXX ( Now Navient ). I made regular payments of {$140.00} on time for quite some time and noticed that the payment increased to {$330.00} in XX/XX/XXXX. At the time I attributed this increase to getting married and filing joint income. I continued to make on time payments and called several times during my divorce in XX/XX/XXXX which was finalized in XX/XX/XXXX. At the time I was very short for cash paying for a lawyer and getting a new place but I continued to make on time payments while making calls frequently trying to reduce payments. I believe during that time period that I was possibly changed to a new payment plan though the phone calls were very confusing. I have since continued to pay on time and again the amount never changed. Recently I did some deeper investigation and I believe I am a victim to the misleading payment plans similar to many others currently filing the class action law suite against Navient for such misleading behavior. From XX/XX/XXXX to XX/XX/XXXX and then from XX/XX/XXXX to current there was XXXX principal paid. 

As I stated, I graduated with a balance of {$60000.00} and I have since made on time payments totaling {$15000.00} and yet by some devious miracle my principal is now {$64000.00}! So I have paid nearly SIXTEEN THOUSAND DOLLARS only to owe over FOUR THOUSAND MORE THAN I DID IN XX/XX/XXXX! 

It also appears to me that the interest has been capitalized numerous times for unknown reasons to which I can not get a clear answer. 
Questions I need answered : - Under what circumstances does the interest capitalize? 
- Have they been switching me to new payment plans every time I call? 
- Has my 20 year clock for forgiveness reset possibly multiple times or will they honor the XX/XX/XXXX start date? 
- How can I possibly owe more than the original balance if their payment plans were honest and their support staff were truthful in their directions? 
- I am still trying to change my payment plan but I am afraid I will mess things up even more. I would like to switch to the REPAYE plan but I do n't even know what plan I am currently enrolled in or if that will reset the 20 year clock or lead to other problems. It says you are required to update this annually but does not provide any indication or the ability to forecast future payment schedule based on income or family size changes in the future. Meanwhile nobody you speak with at their ridiculous company provides any clear and honest direction for an honest hard working father like myself trying to make ends meet. 
-I provide more than 50 % physical and financial support for my XXXX children as well as my domestic partner and her XXXX children. I should be able to account for this in my student loan payment plan but I am afraid any changes will create more issues. 

Companies like this are destroying the futures of people in my generation and this bubble has got to pop! 

Thank you - your help is much appreciated.

Company response to consumer: Closed with explanation