I have been back and fourth with Navient/XXXX for over a year trying to work with them to get a lower interest rate for my loans. After filing the first complaint, I was told that I could participate in a program that would lower my interest rate to 1 %. The payment was still out of my reach but I agreed to the program. I submitted all of my information with a payment of {$300.00} and I was told that it would take a week for the program to be approved. I then received a letter stating that they could no longer offer me participation in the 1 % program but maybe I would be approved for the 3 % program which would increase my payment to {$400.00} a month. Mind you, I 'm a single mother with XXXX jobs on food stamps and Medicaid and I 've been diagnosed with XXXX. After they told me I was n't approved for the program, they have been harassing me day and night. Their customer service agents have yelled at me, told me to " get a better job '', told me " I was poor '' and that I just needed to pay my loan! Even being contacted by Navient/XXXX raises my XXXX. This company does n't want to work with you but rather make you feel insignificant and bad about yourself. I think they just call me to torment me. This is the worst company and all I want is some relief from Navient! HELP!!!!