Attempts to reduce a monthly payment are constantly rejected. I 've taken forebarrance a number of times due to unemployment and charges accrued. I 've earned an additional XXXX $ from just trying to hold off loans. The money accrued and now my XXXX XXXX is worth XXXX. XXXX $ was added to my existing loans just like that. Over course of repayment, I will have paid XXXX for this amount, plus additional money from my standard loan balance. I ca n't move on with my life if I keep paying this much. I ca n't afford to invest in a home, let alone a new car. 

Today I was double charged by Navient. I changed my banking information and was told that i need to make a manual payment so that the system verifies the account. I did so. I was affirmed that no auto pay ( scheduled prevously ) would be debited. Today the auto pay was debited and I did not authorize it. It sent my account in overdraft. I 've been paying these loans on time for about 2 years. 

I do not get information I need and it is difficult to constantly talk to poorly trained reps. I feel my money is mishandles and I am paying more than I should due to their collection practices and cloudy information I am given.