I was unemployed for the past 4 months. In that time I was unable to make my monthly payments and called Navient several times to attempt to make some kind of payment arrangement/postponement to avoid my account becoming past due/delinquent. XXXX sympathy and XXXX payment arrangement options were available. I got a job a week ago, called today to make another attempt to bring my account back to current. Spent a total of XXXX mins. on the phone being transferred around!!! Not even waiting, simply being transferred. Only to be told that they ca n't do anything for me this month. I am now working 12-13 hours a day and now have to find a time to call back next month to set up payment arrangements since that is when I will be able to start making payments again. Navient is a Mega corporation -- they ca n't postdate a payment for 2 weeks from now because it 's the wrong month?!! Every other company I have any interaction with does! 

In addition, the reps all have given different and contradicting information every time I call. One rep will tell me I 'm available for this program and not that one, and the next time I call I 'm told I am ( without anything having changed with my financial situation ). Also, one rep told me I could not change my payment dates when I asked to move my due date to the XXXX of each month because the XXXX was too difficult to manage since it 's only two days after paying rent -- today I called, and the rep I spoke to said I could do that no problem. That is a not so minor detail that could have saved me many late payments in the past. These guys are pure evil. They do EVERYTHING to set you up for failure. Not to mention that now my credit score is ruined and I owe $ XXXX then what I originally borrowed just from the interest they are charging me. I do hope karma exists.