I graduated in 2011 and even with a bachelors have struggled to find a decent salaried job. My loans with navient alone are over 400 on top of loans I have with another company. Even after showing proof of financial hardship and providing my other expenses, they refused to work with me in lowering my monthly payments and told me to "figure it out." And then they proceeded to cut me off mid sentence, sarcastically say "have a great day" and hang up on me. Completely unprofessional, inflexible and money hungry company. I would never in a million years use this company again or recommend them. They've been a nightmare.