I have been repaying student loans mostly consistently since 2005. I have XXXX loans, XXXX Private unsubsidized, XXXX federal ( XXXX subsidized and XXXX unsubsidized ). The total amount borrowed since 2005, the XXXX is {$50000.00}. I recently checked the amount I paid over XXXX years of repayment and have paid nearly {$19000.00} in interest only payments on these loans with principal only being reduced slightly by approximately {$2500.00}. 

As of today, XXXX XXXX. I still owe in the ball park of {$47000.00}. I recently spoke with Navient to explore ways in which I can repay these loans back faster because I feel like the amount I 've been paying should have reduced principal more than {$2500.00}. Considering I have 10 years of diligent and consistent repayments on my record, Navient was unwilling to work with me to make paying off my loans easier. They would n't offer me reduced interest rates, would n't re-negotiate a lower lump sum payback, would n't work with me to ensure that any money 's I pay above their monthly minimum would be used toward the principal of any specific loan. 

Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.