I went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.