There are XXXX loans in question that were originally held by XXXX XXXX ( a company that abused the system ). The resulting spinoff to avoid further scrutiny has meant that my loans now sit with Navient ( mind you I had no choice in this matter ). Because of overwhelming charges and their complete refusal to review an income-based payment plan I have determined to return to school to finish my degree. For the past XXXX years I have been taking enough courses to qualify for in-school deferment while I work to progess in my career and finish school with an income capable of supporting these exhorbitant fees. Navient is now claiming that I am delinquent/XXXX months late on payments all the while I have been taking classes the entire time. I spoke with a representative XXXX weeks back regarding the situation. I was told to fax in paperwork showing that I was in the midst of coursework and the matter would be resolved. I did as requested. From that point I received no phone calls. Shortly thereafter I found that Navient had not made the appropriate corrections but were instead harrassing my co-signer with upwards of XXXX automated calls a day. This is unacceptable. I have tried ad nauseam to contact Navient but their phone system traps you in a loop. Upon smashing 'XXXX ' enough times to speak with a representative, each time they claim to be unable to hear you and disconnect the call. This company is predatory in every nature of the definition. They are rude, aggressive and threatening on the phone yet have no way for you to contact them to correct THEIR errors. They are only concerned with soliciting money from whomever will answer their calls. This is unacceptable and their behavior is overwhelming and scary. We tell our youth that they can not be successful without advanced education. We then charge them rates that do not correlate to education provided but assure them that 'we ' are there to help them through loans which will be easy to pay once they have that degree and huge salary. Once the student becomes an adult to realize everything they were promised was a lie the phone rings ... this is unacceptable and at the very least we need to stop the predatory behaviors of these lenders.