I am a single mother struggling finically. I graduated back in 2010 and have a total balance due of XXXX. I called Navient so they can try to assist me with a rate reduction plan, and according to my representative I did n't qualify because I was enrolled in that program prior. They reviewed my bank statements and clearly saw money was an issue. Instead XXXX trusty from Navient belittled me and said I need to learn how to budget. A single mother trying to feed her child, pay for my child 's needs, food, rent, transportation, etc, should not be told how to manage their finances when there barely getting by. She had no right to talk to me in that way which has emotionally taken a toll on me. I was trying to make a payment and she denied what I was trying to offer and threatened me saying my loans will be in default and I would need to go to court and pay the XXXX up front. She has been so unhelpful and I hope no one has to encounter what I am going through.