Can Navient Put Me in Default? I Struggle to Pay for Food Now.


Dear Steve,

I borrowed from Sallie Mae who apparently switched to Navient, when my daughter was in college.

The loan is now about 16000. My daughter never graduated. I can’t pay the loan at all because I only have social security to live on.

I get help from social services. Navient threatens to put me in default.

I am now 74 years old, with health problems of my own. I don’t make payments to Navient because any payment I made would eliminate food, electric and phone.

Before the depression, I used to do all right. My self-employment work stopped in 2011 before I wanted to retire. Do you have any advice for me?

Can I be sued for default? What can they take from me?



Dear Mark,

To best answer your question I absolutely need to know if these are federal student loans or private student loans Navient is managing.

Please post your answer in the comments section below and I can give you some specific advice.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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