Below is an email from me to Navient regarding my private student loan : So, XX/XX/XXXX, my private student loan was " no longer eligible '' for any forbearance treatment. Regardless of the fact that I was unemployed or underemployed, pregnant with a child at the time these ridiculous collection calls started. I BEGGED AND PLEADED with these folks to let me pay {$50.00} a month. They constantly refused. I started not answering their calls and they started calling from different numbers. Unwilling to work with me on a plan that was REALISTIC, they happily charged off my loan. My private loan. Do n't have this issue with my regular student loans. 

Then one day a young man called me. He was warm and nice. Unlike ANY of the collectors at Navient. They are always rude and nasty! He told me if I paid XXXX or XXXX, I could pay $ XXXX/month and my rate would be reduced. I did it. This was XX/XX/XXXX. Paid $ XXXX/month until I filed Bankruptcy on XXXX/XXXX/XXXX. NAVIENT stopped taking out payments. Received my discharge XX/XX/XXXX. Instead of Navient being prudent and integral about their dealings, they sent my account to collections, citing not receiving a payment in 6 months ... ... as if I just stopped paying. Now, a collection agency and NAVIENT are both contacting me for payment. I set up a payment plan for $ XXXX/Mth. Not that I can afford that but it 's all Navient would take! Again-aggressive. Not caring about REALISTIC SITUATIONS! This weekend I get notification that Navient has also started back reporting my loan as delinquent to the credit bureaus!!! 

So wait- you want to continue to report this negatively to the credit bureaus, impacting my ability to get housing or even a job, AND you want me to come up with $ XXXX/Mth? Not going to happen! I will make SURE I get the word out to all interested parties because this type of strong arm aggression has to STOP! My loan would n't have even went into default had NAVIENT just tried to understand my situation and offer realistic payment solutions. But it 's funny that after the loan charged off the same payment options I was looking for BEFORE the charge off were NOT AVAILABLE but AFTER the charge off were READILY AVAILABLE. Yep! A systematic way of holding people back and I do n't appreciate it! I 'm not paying $ XXXX/Mth AND you all continue to report this negatively. I 'm not playing these games with Navient anymore. Not stressing about it anymore! I cancelled the payment plan with XXXX XXXX and now we are back to square one. 2 can play that game! 

Get some integrity and stop creating policies that only benefit you, Navient!! 

You 'll hear my name again. In the media. This is ridiculous. 
-- -- -- -- -- -- -- - It is also important to note that when I spoke with a manager in the escalations department this morning she confirmed that they only offer certain repayment options to you AFTER you go into default-thus making my point about the nature of their policies. Why would you want to ruin someone 's credit and life on a technicality when you can simply help them BEFORE placing their loan in default??? This needs to change! A person 's situation is generally the same after they have defaulted! Why do you have to make the situation nasty, which can result in you not being able to get certain jobs or even housing, before you offer solutions that are realistic to the borrower? PLEASE STOP NAVIENT FROM THIS TYPE OF PRACTICE. I feel like I 'm in a black hole and just wo n't ever come out! 

The manager also told me that the collection agency sets the payment amount. The collection agency, XXXX XXXX, says the minimum payment amount comes from Navient. They are playing games and just bouncing me back and forth. This should be stopped and a class action lawsuit filed.