I have several student loans ( Federal ) and private. The Federal student loans have been great to work with, however, the private student loans ( which were co-signed by my mother ) through Navient ( previously were XXXX XXXX loans transferred to Navient ) are uncooperative, uncaring, and are using illegal means to deny any options to lower my payments. I am a school teacher and only get paid twice a month. I have a auto loan due on the XXXX  of each month and my Federal loans are due on the XXXX. The 2 private loans I have with Navient are due on the XXXX of the month. I do not net enough income as a XXXX XXXX XXXX XXXX   in a low income XXXX  to pay all those debts with my mid month pay check. I requested that Navient change my due date as those 2 private loans total {$640.00} per month to Navient. I requested that the due date be changed to the end of the month when I get my second pay check. They denied my request and I am stuck with late fees ongoing every single month. My student loans with Navient have pay off dates in XX/XX/XXXX and XX/XX/XXXX. I requested that the term be extended so that I would have a more affordable payment. I was denied the opportunity to refinance because they are counting my mother 's income ( who co-signed for me but is turning XXXX years old this year and retiring ), but they are also counting my father 's income as well ( who did not co-sign and is XXXX and retired ). I explained that he was not a co-signor and would not be able to help me with any repayment but they did not care. They counted his income anyway and then told me I could afford to make the payments as they were. I am XXXX years old, living at home because I can not afford to pay for an apartment. I only have my Federal student loans, my auto loan, my 2 Navient private loans and 3 small charge cards. It takes over what I net mid month to pay the auto loan ( which was financed for 5 years and is {$300.00} per month, my Federal student loans and my 2 Navient student loans and my XXXX XXXX loan. When I receive my last ( second ) pay check each month I have to pay the late fees for student loans and student loans that were not covered by the first pay check, gas for my car to get to and from work, my charge cards plus monies for living expenses. There is nothing left so I really needed help in extending the term of my private loans. How can they count income against me from someone that can not legally be held liable for repayment of the loans with Navient? If I nor my mother made any payments, they could not hold my father responsible for the debt so how come they hold his income against me and deny any chances of an affordable payment. In the meantime, the late charges are affecting my credit I am sure. What chance will I have in the future to obtain or possibly every purchase a home or have better rates offered to me based on how the late payments affect my credit? I do make my payments every month and strive to do the right thing and consider myself financially responsible. I feel like they don't want to help me as I have been denied after 3 attempts to lower my payment ( the last time being this month, XX/XX/XXXX ). They just want to charge me the highest payment they can charge and keep collecting late fees from me. They illegally count income that should not be counted. Please help me.