In XX/XX/2006 when I was XXXX years old and my grandfather was XXXX something we took out a private loan with XXXX which is now consistently. This was for a XXXX degree. I was told to pay XXXX a month and that was all they could do it was never based off income. Presently I am now enrolled in college and because my loan is private no one can help me. I just have enough money to really pay my rent and the XXXX litigation has me tied in I have gotten far behind. They have forbearance tried to contact my grandfather who has well passed. They have helped me in the past with consistently, but now I have gotten so far behind with school full time and work that they were bringing me to consistently and the only thing I could do was to pay XXXX every month on auto pay to not go to litigation. I work for XXXX an hour XXXX hours a week along with taking XXXX units at school. I have to pay rent and utilities after that nothing much is left. I have no family that can help me. They have never went off my income or tried to lower my payments. If they ever did it has only been for a short time. I have utilities tons of fees by being unable to pay when I tell them this they always have some way where I still end up having to pay XXXX a month. They send me stuff all the time saying incurred has options for you and when I call I hear oh you have a private loan we ca n't really do anything to lower your payments. I now see that others too have been effected by Navient in similar ways. I do not want this to ruin my credit as it already has I am trying all I can to pay them but it is really hard when I have to pay XXXX $ to them every month while only working XXXX hours a week and being in school full time. When I was XXXX I do not think that they explained all these fine details with me or to my very elderly grandfather. I hope that I can be apart of the Navient lawsuit. I just can not pay what they are asking and they will not work with any other price as others in the complaints expressed. I have told them over and over I can not pay XXXX but maybe only XXXX and they keep charging me fees un top of fees. I have expressed I have no one to help me and I am doing all I can, but because my loan is private I have been given little help. My credit is suffering due to being so far behind. As well as if I can not make the XXXX payments for the next three months then it will go into litigation. This was the only option they offered when I told them how much I am suffering. Like how do you think I will be able to pay XXXX a month when I have told you over and over that I am struggling and in school full time. I had to agree due to I did not want to go into litigation, but I am unsure of how I will make these payments. All I wanted was them to understand while I was in school lower my payments until I was out of school to what I could pay XXXX. So I would stop incurring fees, litigation issues and weaking my credit score. I believe I took out XXXX and in 11 years I am still owing XXXX with all the fees that have been put on. I know that it is my job to pay my loans but I am truly struggling to do so and they really are offering me no help. Now I am even in worse shape credit wise and fee wise. It is not that I do not want to pay or want to be behind I simply want them to work with me while in school and stop all these fees that are ruining my credit score and causing possible litigation. I also did n't understand when I signed up that my private loan was different from a federal. As that there are many programs that work with federal loans but private there are hardly any. I like many others have felt wronged by this company and am paying the price for it.