I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.