Navient aggreed to reduce the interest rate on my account to .0001 % and take automatic payments of XXXX dollars a month to help pay down my balance. The .0001 % interest rate was supposed to begin after I made XXXX qualifying payments. I began making the payments in XXXX 2015, the reduced interest rate should have began in XXXX 2015. They never reduced the interest rate and although I continue to pay them the XXXX dollars a month, my balance continues to grow. I called the Navient Department handling my loan in XXXX 2015. They assured me that the interest rate would be reduced to .0001 % and that my total loan balance would be adjusted. When I received the statement in XXXX, my loan balance increased again. They lied and mishandled my account. I attended the XXXX New Jersey.