Consumer complaint received 2016-08-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have for years been paying back my student loans at over {$500.00} a month. When XXXX XXXX sold my debt to Navient, it became much harder for me to deal with my loans. I have had several issues with Navient and their harassment. Last week I received an email from them notifying me that my monthly loan payments would be going up again as of XXXX XXXX, 2016. Of course there was nowhere online in my account with them that I could find out how much I would be paying -- the email only said I should " make sure the funds are available. '' When I called Navient to find out what that new payment would be, they told me I would be paying, monthly, {$1800.00}. When I told the agent this would be an impossible payment for me to make, and asked her how I am supposed to manage that, she said " I 'm sorry for your inconvenience. '' That happens to be the nicest response I have ever had from them, and still, insufficient. In the past, when I have tried to negotiate a more reasonable rate, they actually argued with me and said " you pay your rent, do n't you? You have money for food? If you have money for those things, you must have money for this. '' How can I get them to agree to a reasonable monthly payment that I can afford without going hungry or risking not being able to pay my rent? This is an obviously impossible payment. I simply do n't have or earn that kind of money. It took me a long time to come to a point where I could manage to make a monthly payment of more than {$500.00} but I simply can not pay more than that ( and frankly, do n't know anyone who could afford more than that ). They are totally inflexible, will not work with me on a payment I can make to them. The only thing they said they could do would be to extend my repayment time and bring the monthly payment down to {$1000.00} per month -- still impossible for me. That 's an entire apartment 's rent! I am concerned because I have been paying consistently and am worried now that I wo n't be able to make these payments and they will begin once more to harass my family. Previously, they called my father a dozen times a day, seven days a week. They then somehow learned about my siblings and, again, somehow, got their employment information and began calling both my brother and my sister on their mobile phones and at their places of employment -- which is completely unacceptable. They could lose their jobs. My mother is very ill, and the stress that comes from dealing with Navient and their harassment is detrimental to her health. They sent my father a letter in the mail saying they were going to come after his house. Is any of this even legal? How can they call my siblings, who have nothing to do with my loans, at their places of employment? This battle I have had with Navient has been a long XXXX and it is just getting harder. I am at a loss for what to do. I want to repay my loans and live in peace, but their making the unadjustable payments impossible for me to make does not help me to do that, and it does n't help them to get the money.

Company response to consumer: Closed with explanation