Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

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

- - - - - - - LA- - - -, 2015 Navient - - - -, - - Re : Request to lower my monthly payment for Acct # - RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you $1200.00 dollars per month, and I do n't even make that amount! I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!!


This is a copy of my original letter!!!!!!!!!! I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only -. I ca n't possibly afford a payment of $1300.00 to Navient and pay my other living expenses to take care of my family. This payment is - % of my total salary!!! I have enclosed copies of my check stubs to verify my income. Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. I hope we will be able to agree upon an acceptable repayment plan. Thank you for your cooperation. You may contact me at my available email or phone information. Sincerely, - - -- -