Navient has tried to re-open a private student loan account that has been " charged off '' AND " closed '' on my credit report. I have not made a payment in 7 years exactly this month. They re notified the credit bureau trying to say this is an open account and it is not. It has passed its 7 year date of non payment. I believe they are just trying to still receive payment after transferring from XXXX XXXX. They were rude on the phone stating my account '' never closed, it is open and you are currently accuring interes. '' They wont work out a repayment plan I can afford stating i had to " Give {$1000.00} down then XXXX {$100.00} payments and only then will they tell the credit bureau I am in good standing. '' Or I could '' pay {$290.00} for the next 8 months '' before they put me in good standing. The would not accept less. Dont they have to work with me? However, this account is closed and charged off. Is it not illegal to put its status back into repayment and start charging me interes again after its been closed. Its been 7 years ... I found all of this out because I tried applying for a mortgage loan and they company told me what Navient reported to them. Can you please help. I have heard and read nothing good about Navient. This account originally went to collections because I got a divorce and lost my job and just had a baby I had to support. All my other federal student loans I have made good one. Please help me correct this. 
Thank you