Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

Non-federal student loan Dealing with my lender or servicer Don't agree with fees charged New York

I have a very general complaint to make about my private loan lender Navient. For the past 16 months, I have been responsibly making $450.00 in payments every month for my private student loans for a total of $7200.00 in the aforementioned months. Because of high interest rates ranging from 8.25 % to 12.5 %, only $2200.00 of my paid $7200.00 have made a dent on my grand total which is nearly $50000.00. I completely understand that I have signed contracts which stated that my interest rates would be within these high margins and variable and therefore, I have really done my best to take responsibility for my student loan repayment. However, I took out these loans when I was - years old because my parents were experiencing economic hardships and their credit scores at that time did not qualify them to take out parent plus loans to help supplement my tuition. At that time and age, I barely understood what I was getting myself into ( with the future job outlook not to mention what compounded daily interest would really look like ). I am really trying to do my due diligence but for the past several years, I have developed health conditions because I am constantly struggling financially despite having a decent paying job to the point that I could not even purchase a health insurance plan through the Affordable Healthcare act ( which does not consider private loans when it totals each individual 's payment contribution ). I am simply looking for any kind of student advocacy group that could shed some insight, advice or hope as I am really struggling with what I truly believe to be a system that is immoral, and would be perhaps even engaged in what could be considered criminal practices if not for the vast amount of political lobbying power that it possesses.