I have a student loan that was taken over by XXXX. With XXXX we agreed upon a 12 month hardship agreement that I would only pay XXXX monthly. My loan was taken over by Navient, who will not honor this agreement. According to XXXX Navient is supposed to honor any agreements previously made with XXXX and their clients. Navient is claiming that they do not have the appropriate information to honor my previous agreement, however XXXX that they have sent all of the information over. Navient is threatening to take legal action if I do not make settlement. Based on my current income, I am not able to make the large settlement payment that Navient is offering, and they will not lower the settlement option.