I have a private student loan through Navient formerly known as XXXX XXXX. The problem I am having is that they offer no real assistance when a borrower is under economic hardship. The only type of a assistance you maybe be able to receive is interest only payments. Needless to say, in the long run you are still getting the short end of the stick because nothing is being applied to your principle. 
Another thing I find unreasonable about Navient is how they apply payments. After noticing that the money above the minimum payment due I had been sending in was not being applied to my principle, but to the interest, I was informed I could only do this if I was enrolled in their monthly automatic deduction plan. 
Another concern of mine. I work in a high needs/critical shortage area XXXX. I due not qualify for loan forgiveness because my loans are private loans ; unlike Federal student loans which allow loan forgiveness up to XXXX for qualified borrowers after working a number of years in the critical shortage areas.