Navient is my lender for private student loans and also services my DOE and federal loans. My private student loans are behind because they wo n't work with me to make them affordable. I use their website to keep my federal and DOE loans, but they have locked my account. After several calls, they wo n't issue me a temporary password to access my loans online until my private loans are resolved. Now my federal loans are behind because I ca n't access them to make a payment. Navient has also repeatedly called my parents and told them that they will be taking legal action against them even though they are not cosigners on the loan.