XXXX XXXX XXXX of XXXX, XXXX, Tx ... XXXX XXXX aka Navient..the most popular student loan company ... they are HORRIBLE. They take your payment and apply it to whatever they want, not to the loan YOU want it to be applied to. Your loan may be for {$2000.00}, but in year, will be over {$3000.00} because they do not apply the payments correctly. Your {$200.00} payment is going on XXXX different loans but you think it 's going towards that {$2000.00} loan. This is how interest grows and so does the amount of your loan. The people you call and talk to on the phone ... worthless.