The case claims Navient, formerly known as Sallie Mae, has been largely successful at diverting student loan payments toward interest and away from principal thanks to a " complicated array of arbitrarily fluctuating monthly billing amounts, hidden repayment terms, vague billing statements, labyrinth-like websites with inaccurate information, and calculated, non-responsive and misleading answers " to borrowers' questions. Further, Navient has systematically made a practice of allocating monthly payments to loans with lower interest rates as opposed to those with higher interest rates, allowing the company to ensure the latter get paid off much slower than the former, according to the suit. "This structure is designed to leave Defendants swimming in billions of profits, while student loan borrowers drown in debt," the nine plaintiffs allege, calling Navient's repayment scheme and years of alleged systemic predatory conduct "deliberate and unconscionable."