I have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.