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Navient, wants me to paid above my income

How does this work, Navient, wants me to paid above my income like 700 a month. I grad from college May 2014, some how my bill is 5,000 behind, now they want me to paid 700 a month, the call my co-signer all the time, harassing them with garnishments from their checks and foreclose. Raleigh,nc.

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