# Navient unsubsidized a loan. What can I do? **URL:** \ **Category:** Factual Questions\ **Created:** [November 21, 2018, 4:42am UTC](https://boards.straightdope.com/t/navient-unsubsidized-a-loan-what-can-i-do/824879 "2018-11-21T04:42:35Z")\ **Posts on this page:** 4\ **Page:** 1
**Author:** ![Nobody](https://avatars.discourse-cdn.com/v4/letter/n/94ad74/32.png) [@Nobody](https://boards.straightdope.com/u/Nobody)\ **Post date:** [November 21, 2018, 4:42am UTC](https://boards.straightdope.com/t/navient-unsubsidized-a-loan-what-can-i-do/824879/1 "2018-11-21T04:42:35Z")
I have two student loans. Both with Navient, but one under the Department of Education. The DoE loan was subsidized and both loans were under a repayment plan. A couple of months ago, I went from roughly $65 per month for each loan, to around $200 or so. Also, both loans now said unsubsidized. I’m filing for a new repayment plan, but twice I’ve told them that the DoE loan was subsidized, but when they get back to me I’m told that that loan never was. This is bullshit, but I can’t find any documents, on-line or paper for proof. Is there anything I can do, or at least try? Or am I screwed? ---
**Author:** ![Czarcasm](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/czarcasm/32/4050_2.png) [@Czarcasm](https://boards.straightdope.com/u/Czarcasm)\ **Post date:** [November 21, 2018, 5:35am UTC](https://boards.straightdope.com/t/navient-unsubsidized-a-loan-what-can-i-do/824879/2 "2018-11-21T05:35:46Z")
[Other people having problems with Navient,](https://www.consumeraffairs.com/finance/navient.html) and a report on Navient from [the College Investor website.](https://thecollegeinvestor.com/19172/navient-student-loan-servicing-problems/) ---
**Author:** ![Eva\_Luna](https://avatars.discourse-cdn.com/v4/letter/e/e495f1/32.png) [@Eva\_Luna](https://boards.straightdope.com/u/Eva_Luna)\ **Post date:** [November 21, 2018, 9:13am UTC](https://boards.straightdope.com/t/navient-unsubsidized-a-loan-what-can-i-do/824879/3 "2018-11-21T09:13:55Z")
How long have you been in repayment? Does your school financial aid office have copies of anything? If you are really stuck with anything connected to a government agency and have run out of the normal options, try your Senator or Congressperson. Their offices have staffers whose entire job is to assist people in unscrambling problems with Federal agencies. ---
**Author:** ![jasg](https://avatars.discourse-cdn.com/v4/letter/j/f0a364/32.png) [@jasg](https://boards.straightdope.com/u/jasg)\ **Post date:** [November 21, 2018, 5:18pm UTC](https://boards.straightdope.com/t/navient-unsubsidized-a-loan-what-can-i-do/824879/4 "2018-11-21T17:18:51Z")
Several states have filed lawsuits against Navient but the current administration is [attempting to block](https://www.politico.com/story/2018/09/07/devos-student-loan-companies-774599) them on behalf of the lenders. > [@Politico](#): > > “It looks like the administration is simply shielding these companies from liability,” said Persis Yu, who directs the Student Loan Borrower Assistance Project at the National Consumer Law Center. “The boost to big business can’t be understated here. The administration is doing exactly what the industry is asking of them.” > > Back in February, DeVos declared that states lack the authority to go after companies that collect federal student loans, infuriating even some Republican attorneys general. But her latest actions go much further, actively cutting off key information and data to state attorneys general suing the industry on behalf of millions of student borrowers. > > Navient, one of the largest loan servicers, is defending itself against six separate lawsuits brought by state attorneys general in Illinois, Washington, Pennsylvania, California and Mississippi, as well as the CFPB. The company is accused of overcharging borrowers and steering them into more expensive repayment plans, allegations that it denies. You should check with your state AG to see if they are part of the lawsuit.