XX/XX/XXXX To Whom it May Concern : Between XX/XX/XXXXand XX/XX/XXXX, I made several calls to XXXX XXXX and asked if I could consolidate my loans. I was repeatedly told that I was NOT able to consolidate my loans until after I graduated. I graduated in XX/XX/XXXX, called in XX/XX/XXXX and was told that I couldnt consolidate until a few months after graduation. I called until XX/XX/XXXX where I was informed that XXXX XXXX NO LONGER consolidates student loans. XXXX XXXX lied and had been dishonest from the beginning. They told me from the very beginning that they offered loan consolidation which would make my monthly payments more manageable. Since XX/XX/XXXX, if not before, Ive collected fees, capitalized interest, etc. Im also very unclear as to what is capitalized interest, what are fees, and how much I actually owe to Navient/XXXX XXXX. I have been paying my loans for years but I cant seem to put a dent in the amount owed.

Though I regret, taking out student loans 15 years ago ( at the age of XXXX  ) to fund my education, I dont regret earning my degree. I just wish I had went about it a different way. Today, I have a successful career with the XXXX that allows me to drive major changes in the realm of XXXX XXXX. My degree in XXXX  is what landed me my current career of 8 years with the XXXX. Navient currently threatens that career that I have worked so hard to build.

Upon graduation in XX/XX/XXXX, I landed a job as a XXXX. At that point in time, XXXX XXXX, currently Navient, requested a payment of {$1500.00} on a XXXX salary. I couldnt make those payments, so I paid what I could and deferred my loans as I could all while capitalized interest continued to pile up. XXXX XXXX would call and call. I would pay what I could and my credit was ruined. I landed my job with the XXXX in XX/XX/XXXX, where I was able to pay a bit more.

After years of begging for reasonable payment options, I was finally told about the Rate Reduction Program. It took forbearance after forbearance, deferment after deferment, missed payment after missed payment and a diminished credit score for XXXX XXXX to offer me this option.

After being enrolled in the Rate Reduction Program, I was able to manage the payments successfully and begin to rebuild my credit. Today, I was told that I was no longer eligible to continue in the program. Navient, formally XXXX XXXX, took a look at my credit and saw my mortgage, car loan, and made a decision to not enroll me because I seem to be able to afford an almost {$1300.00} payment.

I provided Navient my current monthly expenses, which include my mortgage, my childrens school expenses and tuition, groceries, car notes, utilities, etc. My current payment with Navient was around {$690.00}, which has been manageable and still allowed us to provide for our kids and take care of emergency items with our family or home. Im writing to you because as I stated earlier in my letter, Navient serves as a threat to my career. I have to keep my credit reasonable and do my best to not default on loans. If I default on a loan, I would have to report this information to my job. My employer also completes credit checks when necessary which is why its so important for me to keep my credit up.

I spoke to a Navient associate as well as a Navient supervisor and was denied both times. Im not sure what to do here. I shouldnt have to be in complete poverty or have to default or miss payments that can ruin my credit and career in order to make payments lower than {$1300.00}.