I chose XXXX XXXX ( now Navient ) Student Loans for my student loans to assist in paying for my college education at XXXX College in XXXX XXXX in XXXX. During the negotiation and contract agreement, I was told the options of repayments and the services that they provided, which included loan consolidation, refinance, and payment extensions. 3 months before my graduation in XX/XX/XXXX I contacted XXXX XXXX again to confirm the payments regarding my loans as well as to confirm over the phone that my loans ( XXXX at the time ) would be consolidated upon graduation. After graduating with my XXXX XXXX and settling into my new job, I contacted XXXX XXXX again before I was expected to start payments on my loans after the 6 month grace period to confirm once again, my loans were to be consolidated upon first payment. My first payment came in, and I was billed for each loan separately with the different interests rates applied to them. I contacted XXXX XXXX to work out the issue, only to be told they do not do consolidations. I asked for other repayment options as the sum of both loans exceeded my finances from my job, I was told none were available for the loan type I had. For another 4-6 months I struggled to make those payments before deciding to try and go back to school for my XXXX and was left with only one option and that was to go back through XXXX XXXX. I got another loan and attended classes while my loans sat in forbearance while I was attending school. After being unable to sustain my job and school, I dropped out and returned what was left of my loan back to XXXX XXXX, and before repayment started I contacted asking for any kind of repayment assistance. I was told there was one option which was to extend the length of the loan and lower my monthly payments down to a manageable level, which I agreed to. I received my next month payment with the lowered amount of {$470.00}, and was able to make that payment on time. The very next month however, I was sent a bill with the previous amount of {$820.00} and contacted XXXX XXXX regarding this issue. I stated I had contacted and agreed to a loan extension and my payment was supposed to be lowered, I was again told over the phone that my loan did not qualify for such service and I was to pay the higher amount which I could not afford. I then attempted to pursue legal action against XXXX XXXX, now Navient, for breach of contract to no avail as I could not afford a lawyer to pursue the necessary legal action. I had an attorney service through my work through XXXX XXXX who attempted to pursue assistance on my behalf for 6 months but was never contacted. In the meantime, Navient proceeded to ignore contacting me directly and pursued harassing my cosigner which they continue to do to this day. I finally found assistance with XXXX XXXX XXXX for structured credit settlements, and they have been attempting to contact Navient multiple times on my and my cosigner 's behalf. Navient has refused any and all calls or settlements with XXXX XXXX XXXX, and has continued to harass and threaten my cosigner with legal action. This entire escapade has dropped my and my cosigner 's credit scores to unmanageable levels and we will be unable to get any loans or credit assistance for at least the next 5-10 years.