I attended XXXX XXXX University XXXX XXXX XXXX, NJ XXXX for XXXX school and the only lender that you were allowed to borrow from was XXXX XXXX, now Navient. Since repayment started in 2007, I have paid {$31000.00} of which {$5700.00} has been applied to the principal. That means {$25000.00} or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt.