Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (DC)

I've been paying off this loan for almost XXXX years now. In the beginning, I was dealing with a divorce in XXXX and couldn't make the payments, so I went into forbearance on and off. I wasn't informed that this would create four additional loans, and my payments only covered the interest. I've been using my VA XXXX to pay off the loans, but they haven't decreased at all during this time. 

XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$240.00} ( {$240.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment ( {$23.00} ) ( {$140.00} ) {$0.00} ( {$160.00} ) XX/XX/XXXX Capitalized Interest-Forbearance End {$100.00} ( {$100.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$490.00} ( {$490.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$470.00} ( {$470.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} {$0.00} ( {$18.00} ) ( {$18.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$460.00} ( {$460.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Late Fee {$0.00} {$0.00} {$9.00} {$9.00} XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$340.00} ( {$340.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Late Fee {$0.00} {$0.00} {$9.00} {$9.00} XX/XX/XXXX Capitalized Interest-Forbearance End {$120.00} ( {$120.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$320.00} ( {$320.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$30.00} ( {$30.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment ( {$100.00} ) ( {$46.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Deferment End {$180.00} ( {$180.00} ) {$0.00} {$0.00} Deferment End XX/XX/XXXX Capitalized Interest Adjustment {$0.00} {$0.00} {$0.00} {$0.00} Deferment-Quarterly XX/XX/XXXX Capitalized Interest-Forbearance End {$290.00} ( {$290.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Payment ( {$47.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$360.00} ( {$360.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Forbearance End {$400.00} ( {$400.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$180.00} ( {$180.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment ( {$30.00} ) ( {$110.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$340.00} ( {$340.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Adjustment ( {$41.00} ) {$0.00} {$0.00} ( {$41.00} ) XX/XX/XXXX Disbursement {$42000.00} {$0.00} {$0.00} {$42000.00}