navient refuses to work with me in repayment, I was on an IBR plan and was able to maintain my monthly payments for a few years, then when I tried to reenroll in the program I had to submit pay stubs and bank statements, then was told I did n't qualify for the program and the only other option I have is autopay of {$420.00}. I can not afford this and repeatedly told them and a manager, only to be told " it does n't affect them '' I am able to afford up to {$250.00} but they refuse to do anything to help. over the last 8 years they have added an additional XXXX to my loan because they have refused to work with me during difficult times and unemployment. I am ready to just default and say forget it rather than, give them all of my money and live in poverty due to student loans. I NEED HELP!!