I am looking to lower my private student loans and Navient is not doing anything to help. I have called to try and get assistance but they state that due to my income combined with my wife I do n't qualify for anything. My minimum payments across all my loans, all serviced by Naivent, are upwards of {$500.00} and I ca n't afford that. Not sure what else to do as I do n't want to fall behind on them or have this mess up my credit even further. On top of that Customer service is rude and has not been helpful at all.