Ok it is almost 9 pm and Navient is calling.  I have contacted them numerous times because I can't make the payment they have for me.  I do send in what I can I work in a state government and no raise again for the last 12 years not even a cost of living raise.  They have a program but that doesn't work for me.  It takes all my pay check so my medical conditions can't be taken care of or medicines or house or car or food.  Navient take a flying leap.