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Navient Keeps Chasing Me Over Private Student Loans I Can’t Afford – Summer

Written by Steve Rhode


Dear Steve,

I owe about $24,000 in private student loans, which I cannot afford. I have tried on uncountable occasions to try and opt for a payment that’s reasonable for my situation but I cannot seem to get on my feet. I understand I owe this debt but i don’t make enough to pay on it. My last payment on this loan was about a year ago. I spoke with a bankruptcy lawyer who states this cannot be dismissed. I have about $54,000.00 in federal loans but I’m under the IBR in which I actually pay nothing right now. I need guidance!! Please!! Any information that you could provide in this matter will be helpful!!

Also, the creditors are calling non stop…as soon as I block a number they get a new in the next day. I was offered a settlement just a few weeks ago for about $12,000…. ($2,000 or so down and paying the remainder in 1 year ) I wish I could!! This is what I really want to do!! Settle and get Navient off my back!!



Dear Summer,

I know you’ve been told it is not possible to discharge the private student loans in bankruptcy, but in many cases it is possible. Bankruptcy attorneys have just no caught up with what has been happening in this area.

I would look at this article. But keep in mind that not being able to afford and pay your private student loans is not the end of the world for you. See Top 10 Reasons You Should Stop Paying Your Unaffordable Private Student Loan and learn why.

Since you are not paying your private loans right now I would make an effort to save some money each month towards potential legal help if the lender does try to sue you.

If you want to stop the creditor calls, either screen all of your calls or get a new phone number.

If you can’t find a bankruptcy attorney who is licensed in your state then I would look for an attorney that specializes in debt collection abuse to see if you might have a claim there. I’d look for an attorney through

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About the author

Steve Rhode

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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