The company ( XXXX XXXX which is now Navient ) called me everyday, all day even after XXXX and harassed me about paying the private loan even though I have tried to work with resolving the issue in the past. I paid the company up until after I was XXXX and up until I had to file for bankruptcy ( from XX/XX/XXXX thru XX/XX/XXXX ) so they have received more than what the initial loan was worth due to the interest rate being above 18 %. They are now threatening to garnish my XXXX check and checking account. In the past, they found loop holes to say the loan was not federal but it was personal and then that it was private in attempts to prevent the loan from being discharged due to bankruptcy and/or hardship. I have paid them back more than the original loan plus penalty charges. I tried to settle with them in the past when I still worked and tried to get them to reduce the interest rate. All my other student loans with other places which totalled more than this one, were paid off due to the interest rate being at the normal student loan interest rate ( 1-3 % ). XXXX XXXX refused to lower the interest rate and gave me the excuse that the loan was a personal loan and the interest was high due to that. But when I filed bankruptcy ch. XXXX, they changed and said it was a federal loan. Then when I asked to have it discharged due to federal hardship, they first agreed and I filed the paper work. They then changed their standing again and said this was a private loan so it could not be discharged. Please help.