I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.