I recently graduated from XXXX and as such have close to {$500000.00} of debt. Unfortunately, being a XXXX person from a XXXX class family, the only way to achieve higher education is to borrow. There are no scholarships or grants for the white middle class. My loans were transferred to Navient. The issue is that they consistently send communications via email and also will tell me when I speak to them on the phone, that my payments are up to date. My dad and I started calling to make sure we confirmed with them because we kept getting charged random late fees. There will not be any payments due and suddenly in the same week there is a past due payment with late fee. I received an email on XXXX/XXXX/15 that my account was up to date and my next payment was due XXXX/XXXX/15. The next week I have 20 missed calls from an unknown number and suddenly they are past due for 3 months, and I owe {$1600.00} when I just paid {$3000.00} to stay current up until XX/XX/XXXX. IT MAKES NO SENSE. I 'm tired of being taken advantage of by these loan companies. First XXXX XXXX, now Navient. Now, my payments are suddenly {$3000.00} per month. As a first year physician in training I make {$2300.00} a month. How am I supposed to afford $ 3000 monthly payments now? They offer no assistance or flexibility. I went to XXXX because I was young and naive and wanted to help people. Now I 'm just getting XXXX. I have terrible credit, will never be able to buy a home or have enough money to have children until I 'm XXXX. I had no idea there was a such thing as poor XX/XX/XXXX.