I took a private loan from XXXX XXXX which now switches to Navient. Although I ca n't find a job using my degree yet ; I still make the effort to pay toward my debt. They used to take the payment directly from my checking account but they stopped since last XXXX. When I called to question why they have n't the payment from my checking they told me that I did n't renew the income based payment arrangement ( which I did in XXXX ) they verified the date that I told them I call to renew but they told it was n't done. When I asked what I can do to renew again they told me it was too late and I have to reapply again. They asked me for my employment /income information, my expenses then they told me I was in negative by {$900.00} so I was not qualified for income based payment. They changed my monthly payment from XXXX to almost {$300.00} which almost double of what I was paying. I offer to produce my tax return my son daycare information my rent payment and so on to verify that I was n't lying about my financial situation but they declined. They want me to have my co-signer a friend and a single mom of XXXX who 's already struggling on her own to pay the extra money they add up to the payment. Every time I called to make a fair payment arrangement they refused and kept making threat and harassing my co-signer every day. Whenever they talked to my cosigner they told her they were willing to make an affordable payment arrangement and I was the one who did n't want to pay them which was completely false. Since I decided not to take their phone calls due to their effects in my health, I paid them XXXX payment over the phone then I set up bill payment through my bank and paid them through my bank. Yet they are still threaten and harassing me every day with phone calls or my co-signer. They even called me at work and did not give them my work number or fax number. They even went further by faxing my work without my permission and got me in trouble with my supervisor because she thought I was the one giving them my work fax number for personal business. I had to explain to my supervisor that I was n't the one giving them the fax number and have to discuss my personal information at work which was very embarrassing. I have proof that they 've been getting their payment but they are still calling us and making our lives a living hell. I just want to know how can I stop Navient to stop harassing me to death because one of these day they going to cause me to XXXX for a {$25000.00} loan which I am trying my best to pay them every month.