Specifically, the CFPB accused Navient of steering borrowers into forbearance instead of income-driven repayment plans, which allegedly led to increased interest charges. Additionally, the CFPB accused Navient of allegedly failing to tell borrowers in income-driven repayment plans about annual recertification of enrollment in those plans; misallocating payments made by borrowers with multiple loans; harming the credit of disabled borrowers; failing to honor agreements that co-signers of private loans could be released; and failing to honor agreements to provide credit reporting relief if borrowers with defaulted loans completed a rehabilitation program. Under the proposed order, Navient agreed to cease its servicing of federal student loans and pay $100 million in redress to consumers and a $20 million civil penalty.