I entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?