I have contacted Navient/XXXX throughout the course of my repayment expressing needing serious help. I pay at least {$2000.00} a month for student loans and I can not afford these payments. I have expressed to a Navient employee that I can not afford my monthly payment and he, speaking within his allowable preset Navient guidelines, told me that the restructuring program there is pointless. He told me to not bother applying for it because I would n't be accepted, even though I am in serious need of help. I have all separate private loans ( non consolidated ) and I have been harassed, bombarded, constantly " notified '' that I am not paying enough. Whenever XXXX split to Navient, my loans were sold to Navient but a few stragglers were left with XXXX. With correspondences going to an expired academic email address, I was not notified that some loans were not sent over to Navient. My formal complaint about BOTH Navient and XXXX is the lack of care given to its consumers. Communication is nothing but an automated or pre scripted conversation that has limited true communication between company and consumer. The only true communication is them saying I need to pay more but little communication is given if I say I need help. I have been asking for help expressing that I can not give what they want. No one at those financial companies want to help me. My interest rates are too high, loans are outrageous, communication is terrible. Basically, I am stuck paying to loans that the monthly payments barely exceed the interest per month. These companies have positioned me to feel helpless and my only option is just keep paying. That is solely all they want. I have expressed bankruptcy to them but no assistance. My loans need to be consolidates, refinanced, or even better forgiven. I have put up with too many phone calls, letters, and friendly " reminders '' that I have paid X amount this month but next month Y amount is due. Their correspondence is over bearing, complex, and is purposefully structured to make consumers feel like they need to pay more right now. It is a complete money pit that goes against the mutual respect between company and consumer. The USA has publicized market balance and free market for all but that " open '' and " free '' space has allowed companies such as these ( Navient and XXXX ) to take advantage of consumers. I want full forgiveness of my loans. I have called governmental institutions, been scammed by false student loan assistance programs, created a XXXX account looking for help, been denied by private reconsolidation, and denied for help by my last option - Navient & XXXX. I do n't have any other options. My hope is that this complaint resonates with SOMEONE out there. I will never be able to afford a house, get a new car, have a child, or take a risk with a career move! This is the true ball and chain. No one in my family went to school. My father did n't even graduate high school. I was filling out loan applications as a XXXX, and XXXX by myself to the generic and largest student loan provider. I trusted them to help me and they have not. I can not go on and do not wish to pay one more penny to a financial institution that does not give a care to anyone but themselves. Filing this complaint is one of the very few options I have left to get my story heard. Please help me because no one else has or will, especially Navient and XXXX. Thank you for your time.