Consumer complaint received 2018-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (DE)

I would first like to say I have never once defaulted on my student loans nor can I recall making a late payment ( not saying it hasn't happened, I am just unable to recall at the time of composing this letter. ) I have struggled with Navient and their unfair business practices for quite some time. Their representatives have always taken on a more aggressive tone when I've outreached the company over the years of my loans being in repayment ( since XX/XX/2010 ). 
I have always needed some type of program assistance in repaying my loans. The only assistance offered over the years has been a forbearance period ( where interest continues to accrue while not being obligated to pay ) and an interest rate reduction program. While struggling to repay loans each month, i've always made due, especially when single and without the responsibility of maintaining a household. 
While I continue to submit my financial status on a yearly basis, lately I have grown more frustrated as it appears that Navient continues to provide a monthly repayment amount that is not conducive to my situation. What is the point in disclosing all your financial obligations to a company just for them to provide you with a figure that THEY feel is reasonable?? I am not only repaying repaying Navient for my private loans but also repaying my federal loans through a different servicer as well. Several weeks ago, I phoned Navient ( as i often do ) in effort to discuss the figure they provided following the submission of my financial status documentation, due annually. I was provided with $ XXXX/mnth. I  explained to the representative if there was any way I would be able to qualify for a lower payment as it would be a great hardship in trying to make that payment each month. The representative ( in which I regret not taking his name ) stated that there was no other lower payment options available to me. I advised the representative that it wasn't the fact that i didn't want to pay, it was more of not having the funds to pay that given figure. The representative callously informed me that if i wasn't able to pay then i would simply default on my loans ( which I am aware of ) and have them sent to collections to be dealt with. I was really taken aback by the representatives remarks as that isn't the goal of anyone who cares remotely about their credit. I am maintaining a household in which I am also the " breadwinner ''. On top of weekly daycare expenses, mortgage, car payments, utilities, groceries, medical bills, and monthly federal loans expenses, i am drowning and wish there was more that could be done in lowering my payments with Navient. It has been so frustrating with dealing with Navient regarding a plan that works for me, not just a plan that they come up with that they simply advise " it's as low as you can go. '' In closing, this complaint is more two fold, as one sees, I am not only having issues lowering my monthly payments but also having revolving issues with the lender/servicer ( Navient ) as well.