I am a co-signer for XXXX student loans for my daughter approx. XXXX years ago. I have paid on them when my daughter was unemployed for a few months and when she was employed, she took it over along with her other student loans that I am not named on. She went back to school and received her XXXX degree and was under-employed for a year and could n't pay it. These were private XXXX XXXX loans that subsequently went to navient to collect. My daughter tried to negotiate a lower price so she could continue paying on the loans, but that was denied and late fees and harassment have followed. As of XX/XX/2014- they turned to me on the cosigned loans. I began paying them and found that the money I paid was going to whatever loan she had that was the furthest behind and therefore my credit started getting hit and I received notices from XXXX credit card companies cancelling them because of my newly destroyed credit rating. I am XXXX and have had excellent credit until Navient hit. I have looked at my account and found nothing that correlates with the payments I have made. In addition, the amount I owe on any given day changes drastically and what is on the internet account is something entirely different. I am living on social security that is not enough to pay my bills and my ability to pay all these different amounts they throw at me. Why is there no one who can help? I am going to make a payment in a few minutes that I have no idea where it will go. Can you please help with this? The XXXX XXXX XXXX was taken out for XXXX XXXX College in XXXX, Texas