Navient Student Loan Complaint

Navient Student loan department,

Non-federal student loan Can't repay my loan Can't get flexible payment options Oregon

I am currently completing my - degree at Oregon - - - - - classes remaining ). I have a previous degree - from - - - -. 2009 ), where I took out several private loans that are now in repayment. I have no complaints against my schools, my problem is with my lender, Navient. My apartment caught on fire last -. I had to move unexpectedly and this drained my savings and maxed my credit card. I also pay much higher rent now, since I did not have time to shop around for a more affordable apartment. I changed jobs in - and had only three months to repay $2300.00 to my former employer for tuition reimbursement I had received while working there. I make about $490.00 weekly. This is not enough to cover all my bills and debt, so I fell behind with my student loan payments. I am about 60 days behind


I have been in contact with Navient weekly since -. I have explained my situation and begged for new payment arrangement since I simply do not have the money and will not for a few more months. They will not work with me not matter how many times I explain my situation. I fully intend to pay my loans back and I have made every effort to repay what I can, but again, I simply do not make enough money. Furthermore, Navient reps are rude, completely lacking in sympathy and they refuse to make special arrangements for my situation. I am trapped in this endless cycle of 'you ca n't change your payments unless your account is current ' and 'I do not HAVE the money to make my account current '. They are now threatening to send me to collections and garnish my wages. I did not choose Navient as my lender. I originally got these loans with - - and then Navient took them over. I have a decent track record of paying on time the past several years. Obviously it is not easy since I an still in school, but I always call to make arrangement if I know I 'll be late. I am trying to consolidate my loans with a new lender, probably - - since I hear they have resources for financial hardship, but again, I can not consolidate my loans until my account is current. Navient is also vicious when it comes to phone calls shaking me and my family down for money. I get daily calls, including robocalls on weekends, telling me to call whether there is an agent to speak to or not. My parents are cosigners on - loan ( which is current!! ), yet they are also getting endless robocalls from Navient for loans they have nothing to do with. I do not wish to do business with Navient anymore and I want to know about any legal options I have in this matter. Every other financial service I 've had- auto loans, credit cards, - work with me personally and treat me like a respected customer. Navient reps, on the other hand, treat me like I 'm a fraud trying to dodge payments and they will not come up with personalized payment plans based in my financially strained circumstances - which are not going to change any time soon, by the way ). I have to work with my lender for the next 25-50 years, and Navient has shown me they are incapable of working with me to arrange long term payment solutions. I want out.