I was making my monthly payments on my private student loan XXXX XXXX ( Navient ), however come XX/XX/XXXX I lost my full-time job and was n't able to make payments. XXXX XXXX ( Navient ) was made aware of my financial hardship but told me I do n't meet the requirement for any programs including the *financial hardship program*. So of the XXXX private loans I had I used my unemployment money to at least pay the loan with the co signer ; I stop paying when my unemployment ran out in XX/XX/XXXX. It has been roughly 185 days since my last payment with this loan but they sent it off as defaulted. I called the XXXX XXXX customer service and lady told me that my loan was in default for being over 210 days late, I then told her that, the loan I 'm speaking of was only maybe 190 days. She tells me when I was making payments on that loan I was still late so they added up days I was paying into not paid. She also told me which really hurt was that I did n't qualify for any hardship programs when I called them in XXXX and XXXX when I was still unemployed and looking for a job to see how can I make arrangements but I could have probably qualified which the guy I spoke to in XXXX clearly told me to call back when my financial situation change.