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calling Navient to explain

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

I am unemployed and desperately seeking employment. I have three college degrees; an Associate’s, Bachelor’s and Master’s. I have not been able to find a job in my field; education, and have been seeking work in just about any other field that I am qualified for. Unfortunately, I was never able to afford college tuition/expenses and therefore took out a significant amount of student loans; both private and federal. Upon calling Navient to explain my financial situation and advise them of what I am able to afford every month (payment-wise), I was told by the representative that there was nothing they could do to help me because I exhausted forbearance options back in 2008. I was not aware that I was not able to use forbearance options again. I just got out of an in-school deferment, which ended 8/2012. I thought I would at least have the six month grace period before repayment began, and was advised that I was not entitled to a six month grace period on either my private or federal student loans that are currently placed with Sallie Mae. I was then transferred to a supervisor (said representative and supervisor failed to identify themselves with either name, employee ID or initials). The supervisor informed me that there weren’t any “income based programs, economic hardship programs or lower payment options” available to me because I exhausted the 12 months of forbearance on my account. She then advised me that she checked my credit history and shows a substantial amount of available credit on my behalf, by the use of credit cards. I explained that I do have credit available but am hesitant to use credit cards right now due to my lack of employment, my three year old son, and being pregnant and expecting in April of 2013. I also explained that I have an eleven year old vehicle that has not been reliable, and I may need to use credit cards as a means of fixing my mode of transportation, or obtaining a different means of transportation altogether. She advised me that until I “max out my available credit cards by using them to make the monthly payments required of me for my Sallie Mae student loans, they are not able to help me.” I then asked said supervisor about the repercussions of then maxing out my credit cards and having a personal/family emergency, and what means would I have to assist myself?” This unidentified supervisor advised me that once my credit cards are maxed out, to call back and they may have options to help me, since by that time I won’t have any other available means of paying them.

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