Consumer complaint received 06-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: First I signed up with  XXXX   XXXX  who apparently sold my loans to Navient. I have been paying navient based on an income based repayment plan. I was consistently paying them my balance every month until I was opted out of the plan in  XX/XX/XXXX . Immediately I contacted Navient because I was told that I would easily be able to reapply for the program again. The problem was that because I had been making on time payments apparently, I was not eligible for the IBR again. Before I was paying {$210.00} a month, and then they start asking for about {$400.00} a month. That is double of what I was paying before!!! I asked if we could redo the financial statement and they said I 'm not eligible because my credit was apparently in good standing. MY CREDIT WAS IN GOOD STANDING BECAUSE I WAS ABLE TO PAY THEM MONTH TO MONTH BEFORE. So based on doing those payments I was basically told I had no other choice but to pay the price. Another option the employee suggest ed ( which  I 'm sure he 'll deny later because they all do  ) w as that I wait until my account does go delinquent and see if they can try to help me. I MADE the payment for  XX/XX/XXXX  and then once the price increased, I had absolutely no financial means to pay for it. So I called again and they kept saying youre not eligible. It was n't until I missed a month of payments where they were trying to figure out something with me. So they offered the IBR but another employee I was talking to said I am absolutely NOT ELIGIBLE TO PAY AS LOW AS {$210.00} A MONTH EVER AGAIN! and when I asked why they did n't even explain. I completely understand I have a responsibility to my loan like everyone does but if me and my cosigner can not afford the payment, your pushing us in a corner. What more can we do? over time me and my cosigner both made payments through my card as much as we possibly could. BUT WE CAN NOT AFFORD THIS LONGTERM AT THE MOMENT. WE ARE STILL DELINQUENT ON THE ACCOUNT. WE HAVE MADE AS MUCH PAYMENTS AS POSSIBLE. Last  month I signed up for a one month forbearance, because they call us about 6-10 times a da y!!! They said it would stop the calls for a month until the XX/XX/XXXX . Not even 3 days later, they are calling repeatedly over and over again. Most of the time they call me and my cosigner are at work!!! When I had a chance to answer I spoke to the representative about the calls and why they keep calling ( because the forbearance IS N'T FREE!!!! ) and they said whoop sorry, we 'll push out the call for a month. The following Monday, they call again and again and again. I 'm a little annoyed at this point but we have agreed to the forbearance and they continue to harass both me and my cosigner. I answer and they representative again says oh yeah I see the forbearance woops we will push out the calls for you, making some strange excuse as to why I keep getting the call. The excuse was the forbearance did n't go through. I PAYED YOU A WEEK AGO AND YOUR SAYING TO ME NOW THE FOREBEARANCE DID N'T GO THROUGH??? AND YOU STILL TOOK THE MONEY???? After that the representative said well it should go through today, do n't worry. So it seemed the forbearance had gone through because I had n't heard from them in a week and was trying to arrange things with my cosigner, but after that week they call and tell me " Oh well its only good for certain months of delinquency ''. WHY AM I BEING TOLD THIS NOW???? INSTEAD OF DOING FOREBEARANCE I WOULD HAVE TRIED TO PAY AT LEAST HALF OF MY LOANS!!! THE FOREBEARANCE WAS NOT ONLY INEFFECTIVE BUT IT RAISED THE PRICE OF MY MONTHLY LOANS!!! had the representative explained that I would be received a calls in less the n 2 wee ks about this, I would not have agreed. I feel so tricked by this loan company and I really wish I never went to college because of them. When I signed up for these loans I was not aware that to pay off all my loans I would have to pay more than double the amount of what I owe!! I did n't know that and being a teenager fresh from high school I was n't aware about how these finances even work out. I still have absolutely NO IDEA WHAT I 'M PAYING FOR!!!! i signed the dotted line I understand, but these loan companies know what their doing when they BAIT teenagers who barely know what they 're doing with their lives and also BAIT inexperience parents to sign up for a loan. We have been paying for multiple things this year and they just do n't seem to care. I DIDNT REALIZE IF I SIGNED UP FOR A LOAN IT WOULD BE THIS AWFUL. IF I HAD KNOWN I WOULD HAVE NEVER EVER SIGNED UP!!!! I understand if they call me about 2 times a day, but they call me, my cosigner and out home phone about 6 times a day! its RIDCULOUS!!!! The way they call, its feels like HARASSMENT!!! They call my cosigner and me when we are both at work!!! me and my cosigner have repeatedly asked them to STOP but the harassment continues!!! They never stop and they do n't want to!!!! I 'M AWARE OF MY LOAN!!! YOU DO N'T HAVE TO CALL ME  20 BILLION T IMES TO ASK ME " how will you be paying for this loan ''! I 'm honestly a little skeptical about doing the IBR because they have put me and my cosigner in such a difficult situation, I feel like I would be setting my self up for them to harass me again in the future and it feels unfair I 'm paying more than double of what I owe. My loan is due in  XX/XX/XXXX , which is 23 years. WHAT I SHOULD BE PAYING IS ABOUT $  XXXX - {$200.00} not {$400.00}!!! I understand interest, but should i even be paying this much??? No one ever told me signing up for a loan interest can double your loan. They mentioned all these percentages, but I did n't know what they meant!? they just said if you do n't agree to the terms and conditions, you do n't get a loan. No loan meant no college, but if I had known it would have turned into this would I have signed up? ABSOLUTELY NOT!!! even now its like they assumed I would n't realize I would n't have thought about the amount they 're asking for me to pay by  XX/XX/XXXX ! THE PHONE CALLS NEED TO STOP AND I NEED SOMEONE TO ACTUALLY EXPLAIN TO ME WHAT I SIGNED UP FOR BECAUSE I CAN TELL YOU RIGHT NOW I DO N'T UNDERSTAND ANYTHING AND I 'M IN THE DARK ABOUT MY LOANS! Navient representatives honestly just tell me what I want to hear so they can get there money and move on to their next victim! I feel like I have been lied to about many of the thing I signed up for including when I first signed up, the IBR, the forbearance, all of it!!! I need financial help and advice that navient has refused to give me since I signed up with  XXXX   XXXX  and I need them to respect me and my cosigners when we ask for them to stop calling. I have been dealing with health issues since last year and ancient has not made it easier. Health issues come with bills and a long list of them. Did I tell you they call on the weekends now???? DO YOU KNOW THEY CALLED ME AND MY COSIGNER IN THE MIDDLE OF A FUNERAL. MY COSIGNERS MOTHER PASSED AWAY AND THERE THEY WERE *RING RING RING*!!! AFTER WE REPEATEDLY ASKED THEM TO STOP CALLING! I EVEN ASKED THEM TO REDUCE THE CALLING, BUT THEY WONT. MY COSIGNER IS STILL PAYING OFF A FUNERAL AND YOU KEEP CALLING HIM WHILE HE IS AT WORK, AT HIS MOTHERS FUNERAL AND MORE!!!! EVEN AFTER HE HAS ASKED YOU TO STOP!!! THIS NEEDS TO STOP. THESE PHONE CALLS CAN NOT BE LEGAL, AND I REALLY NEED HELP IN MAKING THEM STOP. SOMETIME WHEN I SPEAK TO SOME REPRESENTATIVE THEY ARE SO RUDE AND ITS HARD TO WORK WITH SOMEONE THAT LITERALLY DOES NOT CARE AND ASSUME I WONT PAY AT ALL. WE HAVE BEEN MAKING PAYMENTS!!! NOT AS MUCH AS THEY 'RE ASKING BUT THEY HAVE TO KNOW THAT WE ARE TRYING THE BEST WE CAN!! Now they are threatening to send us to collections and ruin our credit!!! WHAT MORE CAN WE DO!?  <P/> For dates on  XX/XX/XXXX    we payed {$150.00}. In  XX/XX/XXXX  we payed {$380.00} and in  XX/XX/XXXX    we payed {$150.00} for the forbearance ( which the representative lied to me about ) and the forbearance is not even noted in my account so Im sure they pocketed that money. Navient has been obsessively calling us since  XX/XX/XXXX !

Company response to consumer: Closed with explanation