Consumer complaint received 2019-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

XX/XX/XXXX XXXX XXXX Navient Office of the Customer Advocate XXXX  XXXX XXXX, PA XXXX Ms XXXX, Thank you for finally providing a name to communicate with and your response of XX/XX/XXXX, as it proves you are NO advocate for your customers. 
You were asked one simple question : What dates concurrent with my XX/XX/XXXX IBR submission will satify you? 
Instead of an answer, I receive your assertion that all is well, and that I must now submit a recalculation request? WHY was this information not in the months of replies I received previously? 
This is just one more ploy to continue bleeding me dry. You clearly have made NO ATTEMPT to review the entire communication string. I have requested the recalculation, in writing, multiple times and been ignored. You have a statement from my current employer in XX/XX/XXXX to the effect that my salary had decreased. You have copies of my paycheck statements, which CLEARLY demonstrated that I have not made more than $ 60-65,000 since XX/XX/XXXX. 
NOW you need another XXXX document? You know perfectly well that circumstances change, and your own website states that when this happens, proof of new income level ( paychecks, etc. ). There is nothing about an additional form. 
Why was I not sent a link to this precious form in any of the prior communications? There can be only one reason : to continue to bilk me out of monies you have no right to! The law gives you NO RIGHT to calculate repayments off of my gross earnings. You are entitled to a percentage of my discretionary income, yet every year, instead you attempt to skim that percentage off my gross income instead. https : //studentaid.ed.govXXXX IBR Plan Generally 10 percent of your discretionary income if you're a new borrower on or after XX/XX/XXXX*, but  never more than the 10-year Standard Repayment Plan amount Generally 15 percent of your discretionary income if you're not a new borrower on or after XX/XX/XXXX, but never more than the 10-year Standard Repayment Plan amount My rent and utilities is approximately $ 1500/month am I expected to sleep in my car? 
My credit card balance is {$11000.00}, due to an unexpected surgery for one of my dogs was I supposed to let her die? Do you expect me to ignore my credit card repayment so that you can take more than your fair share? 

I am already down to bare bones to afford the necessary XXXX  foods my pets and I require, and the vet bills for my rescue dogs unexpected health challenges. I have a 7-year-old XXXX phone, and a wi-fi only internet connection. I live in a XXXX apartment, subjected to noise, smoke, rats occasional roaches and shootings. No frills, no cable, no expensive phone plan, and I mostly staycation so that I can afford to pay my student loans! 

You will kindly provide the XXXX form you suddenly say you require. And you will kindly come into compliance with the law, and base your repayment percentage on my disposable income, instead of my gross income. You will also kindly begin the process of loan forgiveness, as I will have been paying on my student loans consistently since the year XXXX, and I believe that I am eligible for loan forgiveness after 20 years? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX