I attended XXXX College and had a loan with XXXX XXXX who is now Navient. I have been receiving calls from Navient but also have had written communications with XXXX. XXXX offered me a lower monthly payment which I was paying but I am still receiving calls from Navient saying that my loan is in default. Recently I received a call from XXXX XXXX who works for Navient, she told me that I have to pay a minimum down payment of {$6000.00} in order to catch up and a monthly payment of {$250.00} thereafter. I explained that I am not able to pay that amount and she proceeded to tell me " I ca n't tell you how I know this but I know that your father is able to help you with this down payment ''. I do believe that if she is able to view my father 's credit card availability, THIS IS NOT LEGAL. The same day that she called me she also called my father on his job and told him that she is looking at his credit card availability and so she knows that he is able to make the {$6000.00} payment for me.