Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

Non-federal student loan Dealing with my lender or servicer Having problems with customer service Massachusetts

My loans, for studies at - - -, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( - ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of - $ /month ). My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every - I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.