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Trouble with how payments are being handled. Navient is trying to break their terms of the IBR program by mis-reporting my payments and 'fixing ' the estimated payoff date to some time far further in the future than the Federal Guidelines allow under the IBR program. I believe they " fixed ' the date by putting me in forbearance when I actually qualified for {$0.00} payment structure under the IBR program. This may have illegally extended my payoff date. Their 'no action ' correspondence has been attached. Navient, my loan servicer, illegally extended the " forgiveness date estimate '' for three of my loans ending in XXXX, XXXX, and XXXX to XXXX. Under the IBR program, they are estimated to end roughly 25 years after origination. That estimated date is around XXXX based on my loan origi