What goes on with my student loan account is so weird, this is the second time it’s happened.

When I graduated, I had a little over $40,000 in loans, now it’s over $60,000, a weird battle I’ve been stuck in since 2021. Through a series of bizarre events, I’ve been able to lower it to $32,000 now, here’s how.<br><br>My student loans are with Navient, and as of recently, it appears Aidvantage has taken over as the loan servicer.<br><br>I’m stuck in this cycle of deferment/forbearance, and I’m sick of it. My payment used to be over $350 a month, but because of recent events, my payment amount is now a little under $100, and I’m super confused about how it all came to be.<br><br>After being on the phone for over an hour, I eventually got the new statement in the mail. When I opened it, all my loans were reduced significantly by thousands of dollars. I went from over $40,000 to over $18,000. I couldn’t believe it. <br><br>I called again, wondering why this was the case. Once again, I get transferred around multiple times in a long call. The second to the last person I talked to said there’s a settlement type of thing for half of my loans, but she wouldn’t elaborate on the details. She said she’s transferring me to someone who can give all the details, but that never happened. I was transferred to someone who was in charge of verifying my address. I asked her as well, she said she didn’t know, but to call back another time to ask. I live in the United States of America, and I just want to take a shit without peeing on myself at this point. <br><br>My student loans went from over $40,000 to over $18,000, all with one phone call, and I don’t know why.<br><br>Fast forward a few months, out of nowhere I get another statement in the mail. My loans went up to over $80,000 now. I called Navient/Aidvantage again, and I was on the phone for less than 10 minutes. They said my loans accumulated over the last couple of months, and that they will be sending me a new statement in the mail. The loan representative said it was due to interest, but I don’t know if that’s entirely true.<br><br>When I got the new statement, my loans are now at $32,000. I’m overjoyed that my payment is lower, but I don’t know why my amount lowered.<br><br>Aidvantage said they’re automatically signing everyone up for income driven repayment, but I want no part in that. I’m going to take this payment and run with it.