I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??