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 Ohio

In 1999, at - years old, I enrolled in a - - - program at - - - University with an income of $0.00. To pay for college my parents and I applied for student loans and received the full amount of student aid available to us at the time. This was not enough to cover the funds therefore we also took out " Signature '' loans from - -, which have been sold to different groups over the years and are now serviced by Navient. I have - separate loans with interest rates of ( 8.5 % - - loans, 3.5 % - - loans, 4.75 % - - loan ) and owe a total of $31000.00. My total monthly payment is about $400.00 and I want to negotiate with Navient to lower the interest rate of my 8.5 % loans. Do you have any suggestions for me? I consistently pay my loans, although due to financial hardships I have made late/delinquent payments. I have NOT defaulted on any of my loans and I do n't want to get to that position. I am also interested in consolidation and any income-based repayment plans. Additionally, I work in public service ( - - ) and am interested in any public service loan forgiveness programs.