Navient called and informed me that they would initiate litigation unless I worked with them to bring my loan current within 4 days of XXXX XXXX 2015 ( referred to as 'today ' ). They asked if I could pay the loans totally XXXX in full today, and I responded I could not. They then asked if I could pay 85 % of the loans today and I responded I could not. They then asked if I could make a XXXX dollar payment today to bring the loans current and avoid litigation. I said I could not. I offered to make a payment at XXXX the normal amount today, as well as XXXX next month and so on until my loans are current in XXXX 2015. I 'm not sure how current or paid in full or else recommended for litigation in 4 days then turned into current 4 months from now and I 'm no longer in danger of litigation.