I have private loans with Navient and I owe them every single month {$960.00}, in 2 separate payments. One is about {$370.00}, the other is about {$590.00}. I have called multiple times to get help on reducing my rate. When I first called when I got out of college, they told me my options then told me my only option because they are private loans is forbearance. I took the forbearance, which cost me {$150.00} for 3 months, they said my interest will continue. I did n't think anything of it at the time because I was in need of some relief with hardly making {$1000.00} a month. I ended up using all my forbearance, which made my payments skyrocket. My {$250.00} payment turned into almost {$400.00} and my payment of {$470.00} turned into {$600.00}. I went from paying about {$700.00} a month to {$1000.00} in a period of a year. Once my forbearance ran out, I called to see about a repayment option or lower payments. I got transferred and they took my income and what not. They then said since my dad is the co-signer he has to cover my bills because there is nothing they can do. I hung up and tried again last year since I was living paycheck to paycheck after losing my job. I got transferred once more and the guy told me he could help me out. I was happy that I would get relief finally. He took my information again and roughly made about {$1600.00} a month if I did n't get sent home from work. I told him I have food/gas, other student loans, and other bills to pay, which leaves me with hardly anything out of {$600.00}. My poor dad has to help me pay my car insurance and cell phone just so I can pay this loan. He said he understood and put me on hold. He came back a few minutes later and told me that my dad has to call in with his information and we can go from there. I asked him the next steps after that and he said depending if my dad makes enough to cover my payments he has to pay. I told him my dad is n't paying my loan again and if I had another option. He put me on hold once again. He came back with my dad 's credit score, I never even gave him any information to pull it, and told me he has excellent credit and non of my loans are behind and are all paid on time therefore they ca n't do anything. He told me my only option is to default on my loans, which harms my credit score and my dads. He said if I did that then I can call back and they will help me then. I hung up upset and when I told my dad what they told me, he could n't believe it. He 's been looking at consolidating with a different company, but I still owe Navient {$48000.00}, which is a big amount to get consolidated. I was able to transfer my federal loans to another company and now instead of {$390.00}, I only pay {$45.00} on an income-based plan. Navient is a horrible company and every month I am behind on payments and end up paying 2-3 weeks late. They have called before threatening to report me for being late with my payments because I owed them {$600.00} once, which my dad had to pay, and if I did n't pay the amount within 20 days from my payment date they would report on both me and my dads credit. I never want to deal with them again. I want my loans to be done, but I still have 6 more years.