I had submitted a previous complaint just last week regarding Navient Private Student Loan. I had complained about an employee who was rude and would n't help us with our situation to extend the Rate Reduction Program. 
I received a call back a few days later from another gentleman ( XXXX ) who said that he was going to request the extension and would call me back on Monday XXXX XXXX. I asked for his name and contact information, but he would only give me his first name. I contacted Navient today, Tuesday XXXX XXXX because I did not receive a call back from XXXX who said he would call me back. I was told that they denied my Rate Reduction. 
XXXX called me back after my complaint last week and he did not go over anything with me regarding our financial situation. I felt rushed off the phone and gaffed off so basically he did nothing for us and was a huge waste of time. I spoke to a supervisor named XXXX XXXX who gave me his employee ID unlike XXXX who did not. I asked if I could be transferred to the department where XXXX worked. He stated that they could n't transfer calls to that department. Well I could only imagine why since I 'm sure they have numerous complaints from the public. Where is the accountability at Navient? 
Currently our balance is {$48000.00} and our interest rate is a ridiculous 9.75 percent. We will never pay this loan off in our lifetime. When Navient went over our budget, I could n't include all of our expenses because they do n't allow pet food or vehicle registration, car maintenance or anything other then bare essentials. This is a nightmare for my family. Our payment was {$230.00} on the Rate Reduction Plan which had been increased from the year prior. We were under the impression that they would continue to increase the payment slowly until we could afford the regular payment plan, but instead they want us to pay over {$400.00} in payments each month with a high interest rate. We are decent hardworking people and all we are asking for is help. We have paid our payments faithfully each month. This is cruel to treat people this way. I only see these large corporations as XXXX, greedy and with a lack of compassion. We feel like slaves who are trapped in debt!