Navient Student Loan Complaint

Navient Student loan department,

Non-federal student loan Can't repay my loan Can't decrease my monthly payments Indiana

I have made numerous attempts with Navient to get my monthly payment reduced on a private student loan. Since this loan went into repayment again in - 2015, I have maxed out all of my credit cards and now I can not pay them, I had to surrender my automobile and purchase a cheaper one ( but the payment is still high because of my credit score ). I am even to the point that I am considering filing Chapter - Bankruptcy on top of the Chapter - I filed 3 years ago. Everything was going well after Chapter - until the Navient Private Loan went into repayment again. Navient says because I have a cosigner, they are able to make my payment, but my co-signer says they can not make the payment. I have gone through the financial worksheet with Navient and I only have a disposable income of $ -/month to pay these loans. They claim my cosigner has enough income left that my payment is $ -/mo. I have asked for forbearances and I have been denied. I have asked for help numerous times and I am always told there is nothing that can be done for me. I keep hearing about how Private Student Loan Lenders are working with customers, but Navient has failed to work with me.