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Can't get other flexible options for repaying your loan. I graduated from XXXX XXXX University in XX/XX/XXXX and then moved to XXXX to begin my career in XXXX as a XXXX XXXX XXXX XXXX in XXXX. When summer rolled around and my student loan payments became due they were more than I actually took home monthly. I contacted Navient and was told my only option was to put the loans into forbearance. Which I qualified for because of my low income status. While in forbearance the loans would continue to accrue interest and I would not be eligible for the federal student loan forgiveness programs because I was not making a payment. This continued from XX/XX/XXXX until XX/XX/XXXX years ago when I was informed by a colleague at work that I could qualify for an income based repayment option. Turned out