I graduated las t  XX/XX/XXXX   with my  XXXX   XXXX  in  XXXX   XXXX . Up until that point I could not work while in school since I had to do an internship and needed to put in the hours. I have also been taking care of my    XXXX   XXXX      XXXX   mother who was diagnosed with   XXXX   XXXX     XXXX   XXXX    XX/XX/XXXX . I drive her to appointments, cook, clean, etc ... I live with my parents and  my  XXXX   year old da ughter. I work odd jobs to make ends meet. When my loans came out of their grace periods  (  XXXX  loans ) I  have been in contact with  XXXX  on a weekly bases to try to figure out what my options are. I feel as if I have been dealing with incompetent individuals every single time I contact  XXXX . No one ever knows what is going on or what applications I 'm talking about. I 've been very proactive in this entire process. Anyway, in   XX/XX/XXXX    I a pplied for a loan modification for repayment and submitted everything I was supposed to. I owe over {$750.00} a month for  XXXX  loans. I have over  XXXX  loans ; both private and federal. The federal loans have been dealt with since I am on public assistance and the government is willing to work with me. However , PNC  has denied me for everything I have ever applied for when I 've sought help. I do n't know what I 'm going to do when all my loans come out of deferment. So today brings us to   XX/XX/XXXX   ( over a month and a half since I submitted the loan modification application ) I called   XXXX   again to find out the status of my loan. Let it be noted that I am the one who is always calling  XXXX . They claim to call and mail and email but I only ever receive an email once in awhile about how they 've exhausted all means of trying to contact me. They have no problem harassing my parents on a daily basis tho. Anyway, so when I called today to find out the status of the loan modification application, they told me that  PNC  said my financial means did not qualify me for the modification. So I asked the agent what was I supposed to do, she told me as a  counselor  she can only tell me to contact my consigner at this point. So my   XXXX  mother  is supposed to front my bills while she 's out of work on   XXXX   XXXX   XXXX   by PNC!? I was told I have no other options. That I 'm  XXXX . My parents have  XXXX  children that are about a year apart and who are all currently dealing with student loans because everyone was in school at the same time. When we applied to school we were told that we had to apply for private loans because " my Dad made too much money '' and we got nothing from FAFSA. In the meantime my parents have exhausted all means in this process.  One  brother was told by  XXXX  to not pay his loans while they processed documents and it resulted in his loans going into default. I want to buy a house and do n't want to have to go into default. I have been putting in job applications with schools since I graduated and got my   XXXX   in  XXXX  to be a   XXXX    XXXX . I finally have an opportunity to work with a   XXXX   XXXX   for the upcoming   XXXX   XXXX   (   XX/XX/XXXX - XX/XX/XXXX  )  but since I am now   XXXX   and due in   XX/XX/XXXX , it 's a complicated situation. I ca n't get a hourly job since the pay would n't co ver a quarter of my loans. And who wants to work just to pay off their loans? I am trying to save up money to get my own place with my partner, daughter and my baby on the way. I 'm  XXXX   years old and these loans have put me in a rut for way too long. My   back is up against a wall and no one is willing to help me. I 'm not sure what else I 'm supposed to do. It 's beyond stressing and frustrating to try to figure this out alone. I have been paying my loans  (  late ) but  $ 700+ is a lot  to come up with on a monthly basis. However, I wish they had also taken into consideration the fact that I 'm going to be a  XXXX   XXXX  who will make less than  45,000 a ye ar and I 'll be expected to pay back my loans that currently equal over {$210000.00}. I do n't understand why  PNC  would ever allow this to happen. It 's irresponsible on all parties. I was  XXXX  when I took out my  first loa n and no one told us that this is what we 'd be dealing with 10 years later. I never would have gone to college! I really hope someone can please help me?