I applied for direct debit in mid-March of 2015 for a private student loan serviced by Navient ( originated with XXXX XXXX ). I was given to understand that it could take a few billing cycles for the automatic debit to kick in, so I made a manual payment for XXXX. When I noticed that the XXXX payment had not been automatically debited, I called the private arm of Navient on XXXX XXXX and asked why no XXXX payment had been debited but my " amount due '' shown on the Navient website was at {$0.00}. I was told that it was taking a little longer than normal to activate direct debit and that my account had been put into an automatic forbearance. I was told that this would not affect any credit or reporting, but that interest would continue to accrue on the unpaid balance ( including that payment that was n't made-without my knowledge- in XXXX ). I was assured by the customer service representative that my next payment would be automatically debited as scheduled on XXXX XXXX. As of XXXX XXXX, no payment has been debited. I made a manual payment on XXXX XXXX, even though the website still says my amount due is {$0.00}.