Attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. Upon applying for college student financial aid, the federal government would not cover the full cost for me to attend my first or second year of college so I was then forced to seek financial assistance elsewhere. At the time, there were only XXXX private sources to obtain student financial aid, Wells Fargo being XXXX. After my first two years of college I was able to move out of the dorms and into a much cheaper house where I was also able to afford tuition by just federal financial aid, without having to apply for private student loans such as through Wells Fargo. I graduated XX/XX/XXXX with my XXXX and then made the move XXXX to begin my career XXXX at the age of XXXX. As a XXXX who just moved to a new area, it is hard to make a good career immediately after graduating, it takes time to build up a steady career, as anyone who is in the XXXX industry knows. That XXXX day where I have to start making student loan payments is about to knock on the door, so I knew I had to start making student loan payments from Wells Fargo six months after graduating, but what I did not know were the decapitating hardships and tears brought out of a grown XXXX man from the stresses of dealing with repaying my student loans to Wells Fargo month after month as well as my federal student loans. It is this way because Wells Fargo insists it be this way and i say that because of their uncaring and unhumane attitude towards helping an individual such as myself through a situation that many more will fall into. That dreadful day comes when i receive my first student loan bill from wells fargo, {$310.00} per month is steep no matter how one analyzes it so i call Wells Fargo to figure out a way to reduce that payment and the best option for me was to apply for an income based repayment plan, which i immediately applied for, the next day a man named XXXX from wells fargo, was speaking with my father ( cosigner ) about three things : one, how much money do you make each month ; two, how much is your rent ; and three, if he was currently paying any child support etc. XXXX got the rest of the information he needed over a credit report and based off of those parameters alone, i myself was denied a payment reduction plan. after receiving this agonizing news i called XXXX back to ask him why i had been denied. to which he replies " Well based off of your fathers current income status he can " easily '' afford to make those payments for you. '' i said " Sir, with all do respect, i graduated college with the midset that i do n't need my parents to support me financially and that it can not possibly be fair of me to expect them to make MY student loan payments for me. '' to which he replies " i am a father so i can respect that but we can not reduce your payment based off the fact that your father is " well-off '' enough to make the payments for you, so you need to tell your father to step up and make the payments for you. '' Internally, i was immediately enraged, how dare you tell me how to talk to my father, disrespectfully. i was not brought up that way and that comment was utterly rude and unhumane. i can not believe my efforts to reduce my monthy payment was denied based off of very minuscule premises and XXXX very disrespectful man. i feel they do not care about anything more than getting their money back. Not the quality of the repayers ' life, not bankruptcy, not the person, nothing. In the past when looking into the future, i never thought bettering my life and my future would ever feel so draining, belittleing and leaving me with resentment.