I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!