XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. 

XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. 

I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. 

Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford.