Recently contacted Navient to ask what the " Unpaid Accrued Interest '' was that was recently applied on the account. I have been making the payments on the account for the last two/three years, and it should not have had any missed or unpaid interest on the account. 

On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) about the {$94.00} that was added back to my account under the line item described as " Unpaid Accrued Interest '' on an account summary letter. 

After looking into the account, he identified the original balance financed and that the account was on a payment/interest reduction plan back in XXXX and XXXX. He explained the interest is coming from the interest reduction plan and added as " Unpaid Accrued Interest '' and added back to the loan. 

When I asked if they ( Navient ) were trying to make up for the lost interest while the account was on an interest reduction plan. He replied, " Yes ''. 

He offered his advise to refinance at a lower interest rate ( currently at 11.25 % ) or suggested that the borrower and myself pay-off the loan. 

It is my understanding that an interest reduction plan should be for that period of time and after that plan is complete, the consumer should n't get penalized for the plan by adding the lost interest back to the loan. Otherwise, why offer or have the option of these types of plans, if the company is going to try and get the money back from the consumer anyway.