I have XXXX separate outstanding XXXX student loans that I had taken out with XXXX XXXX between XXXX and XXXX. Since XXXX, these loans have been transferred to XXXX sister company, " Navient ''. XXXX of these XXXX loans are considered private loans at 7.0 % APR, and the XXXX is a federal loan at 3.75 % APR. I 've called Navient because the arrangement for minimum payment distribution considerably favors the 3.75 % loan which is clearly not the most favorable when it comes to paying these loans off with minimal interest paid. They have told me they ca n't do anything about. Here 's an example : my current minmum payment due is {$180.00} ( average : {$62.00} ) between the XXXX loans @ 7 %, and {$100.00} for the XXXX loan@3.75 %. 

These loans were taken out in XXXX XXXX ( Federal@3.75 % ), XXXX XXXX, XXXX XXXX, and XXXX XXXX ( XXXX Private@7.0 % ) for XXXX toward a XXXX at XXXX in XXXX, NJ.