"(Attorney General) Shapiro "sued Navient in federal court alleging a raft of illegal conduct, most notably that it “willfully” and “knowingly” cheated struggling debtors who face long-term hardship by steering them into payment plans that postponed bills, allowing interest to accumulate, rather than helping them enroll in plans pegged to income."
https://www.bloomberg.com/news/articles/2017-10-05/why-pennsylvania-s-navient-suit-may-impact-your-student-loans