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Problem lowering your monthly payments. I have a {$160000.00} student loan with Navient and Sallie Mae since XXXX. Over several years, I have tried to lower my payments but they have always been calculated over {$500.00} a month rising to over {$800.00} a month based on my household income. ( See email dates XX/XX/XXXX. I was unemployed for several years and there was absolutely no way I could pay these amounts and was advised to either request a deferment or a forebearance rather than Navient offering or accepting a more reasonable payment amount of around {$250.00} a month. As I watched my student loans skyrocket, I decided to work for a non-profit/public service company in XXXX as a way to qualify for the Loan Forgiveness Program. Over the years, as I called every 9 months or so to