Dear Steve, I had two citi-student loans and at some point in time within the last 5 years they went to Navient (Sallie Mae) I recently called to ask if I could get a lower pay-off amount as the original loans were 32K and now they are up to about 64K because of deferment and interest. They said no and I believe these may have been private loans. My conditions have changed. I was born into Islam, but never knew much about my religion. Since 2012 I have been learning more about my faith and it is strictly forbidden in...