Navient since it has changed to XXXX has been nothing but a customer service nightmare personally. I have tried to work with this company several times within the last 4 years. I have called to set up payment plans, discuss low income options, and also deferment options. All options were declined. They only gave me XXXX options to settle. XXXX of which was to pay the total bill in full which is XXXX. The second option was to have monthly payments but to put down XXXX grand to start the payment plan. I could not afford either option. I was willing to work with them. However, they were not willing to work with me. Since then, I have been working with a nonprofit Obama program ( for federal ) and a Bank ( for private ) program that is going to consolidate my loans for me so I would not have to deal with Navient. Today, however XXXX XXXX called me, at my place of employment. I have told Navient several times not to call me there and they still continue to disregard and disrespect my requests. He argued with me about my bill, he was trying to talk over me, and when I told him that I was working with another agency because Navient would n't work with me, he stated that no other program could help me because it is a private loan. Side note : There are plenty of agencies and banks willing to reconsolidate student loans. For example, XXXX Bank consolidates private and federal loans into one. I feel like he was trying to persuade me otherwise. He told me he is calling to collect a debt ( as a debt collector ) because the bill had been transferred to a collections department. He told me that he could " work '' with me and started fishing for information. Does Navient have their own collections agency? I told him several times that I was at work. I told him I can not talk due to the nature of my job. He insisted on getting more information. I told him an accessible time he could call me and he told me that he could n't because he does n't work at that time. I requested for him to assign me to someone else who could work with me at a time that is convenient and he ignored me. Again, the company is not working with me. He wanted the names and numbers of the agencies that I was working with. Is that not totally and completely unprofessional? And why would a business who already has their own privacy policy expect to get any other information from another business that has their own privacy policy. I believe their practices have n't changed since they changed their name from " XXXX '' and neither has their ethics. I offered to make a payment plan. It was declined. I asked to have another option, maybe a deferment or a low income status, it was declined. When I specifically asked them not to call my place of employment, the ignored the request and representative XXXX did it anyway, expressing there was no memo ( Even though I know there was XXXX ). All the representatives that I have spoken to along with XXXX XXXX from Navient ( XXXX ) were rude, inconsiderate, and unprofessional.