I have been a customer since 2002 with a loan of 45000 and as of 2015 7000 remaining I had approached sallie mae once 2 years ago and today navient who has taken over for release of my cosigner I HAVE NEVER DEFERRED AND ALL PAYMENTS MADE ON TIME. Both the occasions I was rejected saying one payment was posted 2 days late and today navient said the same thing. Sick of these tactics and illiterate reps who cant speak English. No wonder graduates do not pay their loans and these stupid companies should bleed. Now I will be so happy when these companies go bankrupt.