Consumer complaint received 2015-10-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

I am currently completing my XXXX degree at Oregon XXXX XXXX XXXX XXXX XXXX classes remaining ). I have a previous degree XXXX from XXXX XXXX XXXX XXXX. 2009 ), where I took out several private loans that are now in repayment. I have no complaints against my schools, my problem is with my lender, Navient. 
My apartment caught on fire last XXXX. I had to move unexpectedly and this drained my savings and maxed my credit card. I also pay much higher rent now, since I did not have time to shop around for a more affordable apartment. I changed jobs in XXXX and had only three months to repay {$2300.00} to my former employer for tuition reimbursement I had received while working there. I make about {$490.00} weekly. This is not enough to cover all my bills and debt, so I fell behind with my student loan payments. I am about 60 days behind on my payments, but I have made some partial payment, whatever I could afford, every month. 
I have been in contact with Navient weekly since XXXX. I have explained my situation and begged for new payment arrangement since I simply do not have the money and will not for a few more months. They will not work with me not matter how many times I explain my situation. I fully intend to pay my loans back and I have made every effort to repay what I can, but again, I simply do not make enough money. Furthermore, Navient reps are rude, completely lacking in sympathy and they refuse to make special arrangements for my situation. I am trapped in this endless cycle of 'you ca n't change your payments unless your account is current ' and 'I do not HAVE the money to make my account current '. They are now threatening to send me to collections and garnish my wages. 
I did not choose Navient as my lender. I originally got these loans with XXXX XXXX and then Navient took them over. I have a decent track record of paying on time the past several years. Obviously it is not easy since I an still in school, but I always call to make arrangement if I know I 'll be late. I am trying to consolidate my loans with a new lender, probably XXXX XXXX since I hear they have resources for financial hardship, but again, I can not consolidate my loans until my account is current. 
Navient is also vicious when it comes to phone calls shaking me and my family down for money. I get daily calls, including robocalls on weekends, telling me to call whether there is an agent to speak to or not. My parents are cosigners on XXXX loan ( which is current!! ), yet they are also getting endless robocalls from Navient for loans they have nothing to do with. 
I do not wish to do business with Navient anymore and I want to know about any legal options I have in this matter. Every other financial service I 've had- auto loans, credit cards, XXXX work with me personally and treat me like a respected customer. Navient reps, on the other hand, treat me like I 'm a fraud trying to dodge payments and they will not come up with personalized payment plans based in my financially strained circumstances XXXX which are not going to change any time soon, by the way ). I have to work with my lender for the next 25-50 years, and Navient has shown me they are incapable of working with me to arrange long term payment solutions. I want out.