I completed grad school in XX/XX/XXXX. A previous student loan was in deferrment while I was in school and I requested the deferrment continue for the first six months after school. I recently started getting collection calls from Navient for my approximately {$10000.00} loan. They say I was supposed to start paying back the loan in XXXX when I finished school. They informed me that the loan was due immediately because I had dropped out of school. This is not true, I graduated from school. 

In the fall of XX/XX/XXXX, I consolidated all of my Federal student loans and lowered the interest rate to 3.25 %. My student loan through Navient is 6.25 % interest with a variable rate and the payments are very high for such a small loan. I requested the opportunity refinance at a lower fixed rate and they have told me that they do not refinance and I am stuck with the loan as-is. I need help lowering my interest rate and getting it fixed.