At the XXXX level ( when I accepted Signature Student Loans ), I went to XXXX of XXXX. I was laid off from a good XXXX position ( where I was on a continuing, or 5-year, contract ) almost 8 years ago due to economic crisis and STILL have not recovered ( i.e. I have cashed in all my retirement accounts several times, and I still ca n't find a decent job with benefits and normalized working conditions ). Currently, my dad is paying my rent, and I am XXXX XXXX XXXX, and I have an XXXX XXXX I am currently working at a long-term full-time job ( at least until XXXX ) as a " temp, '' making less than $ XXXXhour. ( I have n't earned a paycheck yet ). Yet I owe over $ 85K in student loans. About $ XXXX of that is due to Navient ( holder of Signature Student Loans, originally issued by XXXX XXXX XXXX. Both Navient and XXXX XXXX have repeatedly denied any and all requests to work with me, whether that be in the form of lowering my monthly payment or allowing me any relief whatsoever in the form of deferment or forebearance. They claim that I used up all my relief options a long time ago, and that may be true. But I feel that the current ( and " current, '' for me describes nearly a decade -- I was laid off in XXXX, I 've never recovered, and now it 's XXXX ) economic climate constitutes " extenuating circumstances. '' ( And even before XXXX, when I arrived in XXXX Florida and found gainful employment, I lived in XXXX, and it was exceedingly difficult to find gainful employment down there due to bi- and multi-lingual population -- and that was when " times were good. '' So yes, no doubt I have used up all my relief. But the current situation is not benefitting anyone -- it 's not helping me pay my loans, and it 's not helping Navient get paid ). Still, Navient refuses to discuss solutions ; yet they persist in calling me @ XXXX times every single day, harassing me, just so that we can have the same conversation over and over again : " I know I owe you money, and I 'm going to pay you, but I ca n't pay you anything right now because I do n't have a job ; therefore I do n't have any money. '' I have also gotten very, very nasty with them due to the sheer absurdity of the situation. I have also suggested that my XXXX degrees qualify me to stuff envelopes or something for them, which would at least generate a paycheck whereby I could pay them. But they are n't interested in that. They just call me all day long, every single day, even when I pointed out to them that according to FTC rules, they were n't allowed to do that. I have several months worth of phone bills that I could attach to prove my point ; unfortunately, however, I do n't have {$45.00} to buy an ink cartridge. I have missed XXXX payments, but I manage to make the XXXX payment every month, which saves me from being reported for non-payment. However, as I said, they call me @ XXXX times a day from various phone numbers. Their current favorite is XXXX XXXX XXXX XXXX, but there are many, many others. I just basically keep the ringer turned off XXXX. I want to change my number, but I need to keep it in case someone calls me about a job. I have submitted hundreds of job applications, and I ca n't afford to miss a callback.