My Private Student Loans were serviced by XXXX XXXX prior to the 2014 split into XXXX XXXX and Navient. I repeatedly asked XXXX XXXX representatives to be enrolled in the 12-month rate reduction program, and was supposed to be enrolled in the program in early in 2014. However, when I contacted XXXX XXXX after the 3 monthly payments were made the representative stated that I " was n't eligible for that program, but I can make 4 weekly payments instead ''. I have NEVER been able to coordinate the 12-month rate reduction program with either XXXX XXXX or Navient since early 2014.