My family received a letter from a debt collection agency one month after my mother 's XXXX, requesting her XXXX XXXX in order to cancel her debt. Shocked, not only from the request but also the unknown debt of a PARENT PLUS loan she had taken out to ensure that I could afford college and become the first to graduate. " XXXX '', a company I believe to have a CEASE AND DESIST order in my state, indicated the debt to be rounded to {$29000.00}. 

This shed light on how many bills I received weekly from collection agencies " outside the state ''. Naive in the beginning, attempting to care for my XXXX daughters and learning about building credit. The calls and the mail became heavier and heavier and I focused too much on paying fraudulent/disguised debts to barely provide for my children and sleep through hunger to pay my private loan while I was enrolled in the PSLF Program ( so I thought ), I took pride in following my hear to serve troubled youth from XXXX and presently promoting higher education. 

To be honest, what I am experiencing with Navient, XXXX, XXXX XXXX, XXXX College, XXXX College, affiliates, agencies, and partners makes forces me to question and become resistant to place higher education in a positive light. 

-Navient : 3hr 30min+ XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX - XXXX/XXXX/XXXX -StudentLoans.Gov : 2 hrs + -ECSI : 1hr 5min + XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX -XXXX  : 27min talk time 36 min listening to classical music waiting .... 
Phone time talking/waiting ( mostly ) " XXXX '' " -Both College Institutions : CAN NOT pull info once the debt is paid nor find it, nor identify who paid it, or who it was sold to. ( Navient Claimed the same until I obtained records. 

Issues : Fraud, Duress, Coercion Lack of Support, Lack of Responsibility, Lack of Appreciation and Accountability Failure to Inform, False Information ( i.e Every representative has a different answer on all parties involved ). 
False Documentation / Mailings Privacy Violations Loan amounts and failure to disclose purchased/sold loans Denial of affiliation and received faxes / documents / requests of information Altering documents and information to profit I began with XXXX XXXX and was not informed of the separation until I logged into my account to pay my balance. I have met qualifications for PSLF programs for years now and still possess families sent to all agencies confirming my job duties and pay stubs yearly to be told none of them count, due to XXXX being the only servicer to monitor the payments. By the way, I have never heard of them until recently and submitted proof to services and studentloans.gov. I am now told none of them count unless consolidated. Not to mention, this call came from a hired collection agency which purchased the debt at a discount from my servicer. Every conversation with Navient is changing their approach and language, in order to admit to ONE THING ... .. 

" You hired a third party to consolidate your loans!? We do not recommend that because we offer those services for free. '' ... ... No Navient, you hired them. How else would they receive my info and know my " Navient '' balance if it was not accessible to them through studentloans.gov? Not to mention the consolidation form for the XXXX XXXX XXXX XXXX that appeared in thin air was 5 months past the expiration date .... If I was at 0 $ / month why would I consolidate and owe {$250.00} on interest only AND lose all of my years for qualifying for serving the youth in my community for higher education?!! Now I must start over and do another 10 years???!! 

What saddens me the most is to make deals with my colleges by canceling the loans offering less than 25 % of what the debt was to somehow come way too close to what my mother owed at {$27000.00} then XXXX after interest. Not to mention IF I turn in the XXXX XXXX, that will count as taxable income towards me during tax season. 

All I asked of the company was to freeze the account and fix my PSLF payments and take away the interest that has built up after Navient paid everything but {$2.00} to my public school causing me to default without ANY notification. In public service, I do n't make a fortune, but do it because I enjoy it and hope I am able to assist youth in higher education to better themselves. 

Honestly, whatever happens ... I need to better myself and focus on my own children, I am sad to say I have spent too much research and time disputing county and state man-made U.S mail and letters which I am supposed to believe come from Indiana, Georgia, and Pennsylvania? I am not from any of the mentioned states, but I promise the mail is produced a few miles from my home, this I know for a fact. So are some of the collection agency 's accounts added into my consolidation that did not exist before, I 'm aware of the algorithm and targeted individuals. Although my rights have been infringed upon, again and again, my spirit will live forever and remain debt free. 

Thank You