I called Navient to put my loans in forbearance because I 'm about to be unemployed at the end of the month ( XXXX XXXX actually ) in a move to XXXX XXXX for family AND financial reasons. I was reminded I have to pay XXXX dollars forbearance payment ( not a fee ) which defeats the purpose of forbearance ; I was transferred to XXXX " supervisors '' ( I 'm unsure if they were supervisors ) who insisted that this was policy which can not be changed. I was also informed I only have so much forbearance left on XXXX of my loans ( two months ), so I wondered if it was even worth it. Regardless, there 's nothing in place for a private loan company to exploit an unemployed person. Additionally, I learned, after getting disconnected on accident, right when I was about to put my loans in forbearance that it was too early to do so ; this should have been communicated to me early on in my phone call, not half an hour after my XXXX communication. I know there may be little that can be done, but private loans should not go unchecked when it comes to PAYMENTS ( not fees! ) for forbearance, whose point is to allow a respite for payments ( as interest is still being accrued ).