I am not a happy camper with Navient. Been paying for my loan for 3 years. Got confused of why my loans weren't going down. So I called and lady told me out of $89, I've been paying each month only $1 went toward my actual loan and the other $88 went toward my interest. Wtf. I sign up with Sallie Mae from start then Navient bought them out. I had 1 loan. Now I have 2 loans which I have no clue where 2nd came from. Still pissed that it took me 3 damn years to pay for freaking interest and nothing went toward the actual loan. Jerks. I'm paying off loans in hundreds now to have it paid off. DO NOT borrow from these thieves.