Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Over the years I have contacted Navient on many occasions. I have filed bankruptcy twice : Chapter XXXX and Chapter XXXX. I have been XXXX and faced financial burdens on many occasions. Navient ( formerly XXXX ) : contacted me in the past in reference to paying my debt. During the time, I was unemployed and when I did get a job : I was making {$XXXX} an hour when I worked at XXXX. I was not able to graduate due to XXXX and not having the funds to pay for my loans. I 've talked to Navient/XXXX : and they put me in forbearance. Navient/XXXX were not sending me my mail and not upholding their promises of repayment plans. I did not know that I even owed on my loans due to no one contacted me to inform me and when I called : they stated that my loans were current and up-to-date. I was not aware of any of the late fees that have been applied, which tremendously affected my credit. The late fees were {$3.00}, {$9.00}, etc ... .If I would have known that a late fee would be applied, I would have paid it. I was misinformed and mislead into thinking that my loans were current. I called many times to inform Navient/XXXX of my economic hardship and when I called, they stated that I can not pay the loans back and instead they can put me on " interest only '' plans. Last year, I spoke with " XXXX '', who stated that she was a supervisor with the private loan department. And she put me on " interest only plans '', which made my student loan debt to increase by the thousands and thousands of dollars. I also asked for a copy of my promissory note and she did n't even mail it to me. She stated that she was unable to provide me that when I called back. My dad is on one of my private loans but neither one of us recall ever signing for the XXXX private loans. My dad is XXXX and XXXX stated that she can not discharge him from private loan. There have been times where I called Navient to get off interest only and start repaying my loans and they tell me that I have to stay on interest only to keep the loan from defaulting. I have called many times where the employees at Navient/XXXX have given me false employee numbers and that there is no record of me calling. I have submitted over correspondences and Navient/XXXX claimed that they never recieved the correspondence causing me to miss the deadline in getting my loans processed and causing my loans to default. Navient has told me on many occasions that I am not qualified for the income based repayment and the forberance and economical hardship. I sent my XXXX forms to them and during the time my adjusted income was low income and they quoted me {$170.00} a month for one of my private loans and when I called again they stated that I missed the deadline and stated that i need to pay interest only and that it would not default me in my student loan and i would not have to pay anything else for the XX/XX/2018. I also spoke with a customer service manager by the name of " XXXX '' who was very rude to me and stated that there are no other options and if I dont pay, that Navient will garnish my wages. I 've asked about forgiven my loans and she stated that I would never be eligible for loan forgiveness due to me not repaying my loans. Over the coarse of time. Navient has provided me with incorrect payment information. Navient did not act or make an effort to find a plan that fits me and my income. Navient cheated me out of my rights to lower my payments and get back on course after they screwed up my loan repayments. Navient did not acknowledge my financial and economic hardship but instead made my loans so unbearable for me to pay. No one has even contacted me in writing to follow up with me about the status of my loans. Navient has punished me with late fees and I did not know it was late. Navient continued to charge regular interest on late loan payments. Please discharge and forgive my loans.

Company response to consumer: Closed with explanation