Navient continues to call at least XXXX times a day. I have explained to them that when I co-signed the notes for my sons private loans I was working and making good money. Since then I was taken out of work by my doctor ( 4 years ago ). I applied for my XXXX and after 2.5 years was deined. I draw a little over a {$1000.00} per month with my XXXX retirement check, which I started drawing 2 years ago this XXXX. With my XXXX and XXXX, there is now way I can pay this loan back for my son who is still seeking gainful employment.