I have had tried for years to get my loan into income contingent repayment plan however they frequently told me that this program is not available with my loan type. The company has made many threats to me via phone stating that I 'll go to jail that the simplest my house at the garnish my wages if I do n't pay their minimum balance they also have stated that I 've used up all my forbearance and deferment. eventually I was able to get into a verbal agreement with them to pay {$50.00} a month for them just to stop calling me because I used to call eight times a day. Harassing me my wife my mother and my father and has even called my work. My initial loan was around {$34000.00} has now ballooned to {$110000.00} with all the interest they stacked on top of it with giving me no recourse for income contingent payment I am the sole income in my family of XXXX. I feel like my loan was Misarepresented to me I feel that their deception has caused me quite a bit of XXXX over the years and because of my good student debt prevented me from purchasing a home for my family. I graduated XX/XX/XXXX moved into an apartment XX/XX/XXXX and I 've tried every year to purchase a home and here it is XX/XX/XXXX I have a wife and XXXX daughters still in the same XXXX square-foot Apartment. I can not afford their payments of nearly {$1000.00} a month and afford my apartment and basic standard of living. I would literally have to decide on either paying student loans or paying rent but can not do both. Buy my home economics if I double my income I could afford my student loans and keep the same standard of living I have now which is not much. All I wanted was them to be reasonable and help me work out a plan to where I can pay without it affecting everything in my life. I 'm not looking to skate my obligations I 'm looking to be responsible but also to my family as well. what I would really appreciate is for XXXX to reassess my student loan from when I took it and put me in the income contingent repayment plan as I asked for right after graduation. I would expect they reevaluate my loan and the interest accrued. It 's {$34000.00} loan should not yield over {$110000.00} nearly 7 years later. The whole student loan ordeal has affected my life and my families life. If I knew then what I know now I would 've made a decision not to go to college not to take student loans because the whole house on ordeal is not worth it. In the seven years I 've had my student loan it 's made my life worse. Considering very early on I was able to transfer my federal student loans away from Navient ( sallie Mae ) and into the government services I was able to do income contingent and have been paying with no issues ever since. That is the way I expected XXXX aunt to operate but considering they gave me no choice nor any recourse. The sad part is I 've even thought about bankruptcy multiple times but come to find out that student loans that are private can not be claimed in bankruptcy court and also if I were to die my student loans pass on to my family 's. I find it very hard to believe that people making you responsible decisions gambling their life Way can file bankruptcy yet when someone pursues a higher education and wants to develop his life takes out student loans and ca n't do it and That bankruptcy is never an option. even if I wanted to take advantage of some government programs to discharge some of my debt it does not apply to private student loans so either way I 'm getting taken advantage of.