I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. 

When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. 

I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. 

I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. 

The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware