Hello-I need your help, I am being treated very unfairly by a student loan company called Navient. I feel as if they are committing fraud or that they have been ripping me off. This is regarding my private student loan accounts I have with them. Recently the accounts went from XXXX to Navient. My private loans total around {$14000.00}. My payments were on an interest only plan for quite sometime due to me extending my payments off until I could not anymore due to financial struggles. Meaning I paid only interest every month for years, not one dollar was going to my principle which I understood. Navient then tells me the interest loan repayment plan was over, and my payments would start going to my principle. When I got my monthly bill statement I noticed it increased from XXXX to XXXX. I called them immediately and told them I was a single mother of XXXX children and could not pay the full amount with the new increase. I told them I could not afford it and I needed them to work with me to get it down to what was paying which was XXXX. They went from one customer service agent to another, then to the supervisor because each one of them told me the same thing, they could not do anything for me. The supervisor told me the same thing as well, I had to pay the XXXX a month. I then asked lets say I was able to pay the XXXX a month thinking well I have already finished paying the interest only payments for a couple years maybe I will now be paying a lot more towards my principle, and finish soon, nope. ..he starts to tell me the contrary, that he calculated XXXX would go to interest and the rest to my principal, and according to his calculations the pay off time would be in 2028, 13 years from now. I explained once again my financial struggles and still he went on to tell me I should make my payment every month even if it is the {$150.00} or else they could garnish my checks. I told him how do you expect for me to pay your company the {$150.00} I can afford if your telling me that would not even cover my monthly accrual interest? I told him I would never finish paying you guys off then. He told me he understood but that there was nothing he could do for me and that I had agreed to all of it when the loan was given. Do you guys think this is fair? To make monthly payments of XXXX for the rest of my life and never have one dollar go to my principle? I need help, please refer me to someone, I am desperate. Thank you for your time. 

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