[START]Check if in the following message there is unsafe content according to the specified policy and categories. Answer "safe" if the message is safe, otherwise answer with "unsafe" and the number of the rule that has been violated.
[BOR]
0: Safe
1: Please only post links to actual news sources, no tabloid sites, etc
2: No NSFW content
3: No hate speech, bigotry, propaganda, etc

[EOR]
[BOC]
Navient's "options" that the rep is referring to are probably only available to borrowers with federal loans that navient is managing. Other than that the options with navient are to reduce the interest rate by .25% by going on auto-pay (which I'm guessing is not something you want to do at risk of over-drafting your account) or remove a co-signer (which you can do after 3-5 years of on-time payments with good standalone creditworthiness). Navient may also offer a .25% rate reduction if you elect to go paperless. 

I wouldn't recommend forbearance/deferment any longer man. I wen't that route for 9 months and it took me 4 years to dig myself out of that hole of capitalized interest. Lean on the government for help. The fed loan companies should be able to do a lot to help you out in the short term. Hell, if your monthly bills are totaling near/more what your monthly income is, you can qualify for food stamps - which would give you a pretty significant boost in managing this situation. I've been in your shoes before and it was not fun. I had to sacrifice a lot for more than a year to get to a more comfortable place, financially speaking.
[EOC]
safe
0
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Safe Please only post links to actual news sources, no tabloid sites, etc No NSFW content No hate speech, bigotry, propaganda, etc