The Consumer Financial Protection Bureau and state attorneys general in Illinois and Washington filed lawsuits against Navient, the nation’s largest servicer of student loans, accusing it of extensive mistakes and violations.

Navient denied all wrongdoing, and said it had “a well-established, superior track-record of helping student loan borrowers succeed in repayment.”

Below are seven ways in which Navient was accused of misleading or cheating borrowers.

1. Steering borrowers away from income-based repayment plans

Most borrowers with federal student loans are eligible for an income-based repayment plan, but navigating the thicket of different plans can be complicated.

Helping a borrower sort through them and processing all of the required paperwork takes time. Navient “systematically deterred” its customers from enrolling in income-based plans by instead steering them toward other options that were simpler for the company, according to the lawsuits.