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 Rhode Island

I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( $300.00 a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.