I attended the University XXXX. 

There are a number of elements to my loan service that have been at issue, there are XXXX primary concerns that are, in my opinion, criminal. Those are:1 ) the loans I took out through XXXX XXXX for my junior year of college were never deferred, and upon graduation were placed into default. I was working an unpaid internship after graduation, so being notified of this was confusing XXXX it was XX/XX/XXXX ). This had a terrible impact on my credit. I was told I needed to bring my loans out of default and into good standing before I could get it cleared off my credit score. This process has never been actually handled by Navient XXXX now owners of my private loans ) because they, despite my repeated request, do not send the appropriate forms to do so, as promised. They have the power, I just pay them every month and hope they do n't ruin my life further. 

2 XXXX The other issue is in repayment of loans, particularly with interest rates which are astronomical. My loans administered by the federal government had a combined 8.5 % interest rate until very recently, when I was able to refinance and get it down to 6.5 %. My Navient private loans, on the other hand, stand at 11.25 %, 12 %, and 12 % on loans of {$6000.00}, {$10000.00} and {$10000.00}, respectively. Over the last few years, I 've made payments each month ( all but a few on time, I work for a non-profit so it is difficult to pay a quarter of my income over all the loans combined given rent and living expenses XXXX. These loans ' total balance has risen by {$5000.00} total. While working on my non-profit has the option of loan forgiveness, every time I miss a payment or am late by a few days, that clock gets reset. 

This begs the question - what should I do? Is there an actual expectation that I will pay these loans off? Why am I being so penalized for furthering my education, when, just ten years before I attended school, the average amount of student debt was XXXX less than what I 'm left with. These figures do n't even take into account my parents ' payments. They are trying to retire. 

Navient claims I will pay off these loans XX/XX/XXXX given my current payment plan. I will be XXXX years old. As of right now, I make XXXX gross ) $ XXXX. I live in a city with high rents, but my net take home, per month, is roughly {$2800.00}. In student loans alone I pay {$800.00}. If you include rent, utilities, and food, I barely break even given this salary. I struggle every month to do this. I will not be able to have kids until I pay these loans off ; going back to school, something I greatly desire to advance my career, seems impossible because I will never be able to actually enjoy my life due to these loans. 

I am stuck, deep in despair because the prime years of my life are being stolen by high interest rates because I sought to better myself. My parents ' ability to retire in peace has been shattered because I attended a state public university and graduated on-time. My parents were unable to pay for school, and for that we are punished. 

The resolution I seek is that this does n't happen to future generations, that loan servicers are held to lower interest rates XXXX capped at 1 % ) on student loans in order to guarantee that people in this country are able to get an education. My situation is already too desparate. I feel lost, like I have failed my family because I went to school ; I should never have sought a higher degree in the first place. My Dad served in the Army XXXX as well. He got put through school by the GI bill, this opened the door for me to possibly get a degree in the first place as well.