On XXXX XXXX, 2015, an attempt was made over the phone to enter into a 15 month interest rate reduction for XXXX private student loans provided by Navient. The lender agreed to process the application for the reduction with the condition that a payment be made in the immediate to bring the account current. The borrower ( currently in financial hardship ) advised that a payment would /could be me made upon acceptance into the program, due to limited fund availability. The lender refused to process the application for the program until a payment was made. Borrower is left without any alternatives and lender is unwilling to provide assistance.