Navient XXXX XXXX XXXX XXXX has been calling me consistently trying to get me to pay a ridiculous amount of money which I am unable to pay. I have wrote them letters telling them to cease all phone calls and only mail communication, request debt validity, and negotiate an offer for payment monthly. They responded they ca n't make negotiations through the mail. I called them in order to negotiate a price that was reasonable based on my income which would be {$100.00}. The guy told me the only amount that he can offer me is {$320.00} per month. I have an income of {$1600.00} a month which I have to pay child support, rent, utilities, food, gas, credit cards, etc. When he calculated all my expenses I was in the negatives. I told him I 'm not going to put my family in jeopardy if I ca n't afford $ 320 monthly payment.