Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

When I entered collage in XX/XX/XXXX my parents received a loan from Sallie Mae. After College my loan was transferred to Navient. From XX/XX/XXXX-XX/XX/XXXX I was on a payment plan with Navient in which I was paying {$120.00} per a month for my loan. At the time I was working for XXXX and based in my income the company determined that was a suitable payment amount. In XX/XX/XXXX I got accepted into law school. I contacted Navient in XX/XX/XXXX to inform them that I was enrolled in school. The representative told me that I qualified for in school deferment. In XX/XX/XXXX I began receiving calls from Navient demanding payments on my loans. I informed the reps that I was in school and qualified for deferment. The rep at that time stated that she did not show that I was enrolled in a in school deferment program and stated she would enroll me. This enrollment marked the second time a representative stated I was enrolled in the deferment program. In XX/XX/XXXX I began receiving calls from Navient reps again. I was informed that the loan my parents signed in XX/XX/XXXX did not allow in school deferment. The loan the selected stated we would have to make intrest payments throughout the life of the loan. The rep informed me that my monthy payements would be {$210.00}. I stated to the rep that because I was enrolled in school and not working, I would not be able to afford a {$200.00} payment. I informed the rep that I was previously enrolled in a payment plan that allowed me to pay {$120.00} per month. I asked in I could get back into that program. The rep informed me that I could and stated that he would enroll me in that program. I began making my normal payment. In XX/XX/XXXX I began  receiving calls from Navient informing me that i was deliquent on my loan. I told the rep that i was making payments of {$120.00} due to my payment plan. I was informed that I was not enrolled in a payment plan and that my in school deferment status still meant that I had to make interest payments.This rep gave me several options. She informed me that I could remove my in school deferment and see if I qualified for payment options. Navient does not allow the opportuity to be enrolled in deferment and on a payment plan. I was asked a series of questions regarding my employment and finances. I was told that my info could take up to 30 days to process. I did not make any payments until I was contacted regarding the status of my loan. Since XX/XX/XXXX I have been informed that my loan is still on the in school deferment status and that there had been no recollection of any rep submitting a payment plan.I have spoken to multiple reps who all continue to give me the run around. In addition my delinquency has just been reported on my credit report. I can not afford to pay this company {$200.00}. I can afford to go back on the previous payment plan I was on. I am seeking help because I want to make a payment and am willing to pay but I cant pay the amount that they are requesting a month. As I stated I am in law school. I can not have any negative reporting on my credit report because that will prevent me from taking the bar. Navient has in no shape or form tried to assist me with lowering my monthly payment. Every rep I have spoken to has given me the run around. Today is XX/XX/XXXX and I have spoken to my account manager. Last week when i spoke to her she informed me that she would give me call back to verify the removal of my in school deferment ( somethingI have been attempting to complete since XX/XX/XXXX ). When I spoke to my rep today she didn't remember the conversation we had ... but she remembered to call me back demanding a payment. This is affecting my schooling and studies. Please help!