-Starting in  XXXX / XXXX / XXXX  I have a " Repayment Fee '' for {$1100.00}, also have that same " Repayment Fee '' for {$380.00} on  XXXX / XXXX / XXXX . When I called to ask about what these fees were the manager I talked to did n't know what they were for.     -On loan number  XXXX   XXXX   XXXX   XXXX , it was suppose to be in the rate reduction plan but do to a missed payment, which was due to an error on their end putting the wrong account number in, which was corrected immediately after the payment was suppose to be removed from my bank account and was n't. I needed to be in the program really bad since my loans ' interest rate was as high as 9.75 % and the new   one was 3 % so I made sure to make my three payments. After calling and asking about this they did n't really know what or why it happened and was n't corrected.
- From the beginning of my repayment process of my loans, I was misdirected on what plans were best for me, the told me to put my loans in Forbearance and mislead on the impact long term this would have on my loans. Currently I have made about {$44000.00} in payment on a loan that initially for {$43000.00}, my current loan balance is about {$57000.00}. ( which is all interest from the helpful plans they " nicely '' recommended were best for me ) - I learned that while I called looking for better plans, and/or lower interest rates, I was always told they could n't do anything. I later found out they could have put me in the rate reduction plan years ago and saved me thousands and thousands of dollars. No one ever even told me it was possible. Just so they could mislead me and continue to make more money.       - Today  XXXX / XXXX / XXXX . I called them back after being given the run around for about a week, to help me get out of this mess. I was told they had no options for me at first and there was nothing they could do. I told them since I have a new baby at home I had to quit my job I was working in the morning to pay for these loans and if they did n't do anything I could n't pay  XXXX  a month. I was told by the  manager I was working with that her manager had a good deal for me to  help me out. I could extend my loan for 20 years and pay  XXXX  a month. I ca n't afford that amount either. I also did n't do the offer knowing my rate reduction plan would end in a year ( like last year and it increased from 3 % to as high 5 % ), my payment would grow out of control and I would be in a worst place than I am now. I did the math if I kept paying {$740.00} a month it would cost me {$66000.00} over the life of the loan. The offer today {$510.00} a month would be {$120000.00} that 's not even taking the rate reduction plan ending in a year, with my rates sky rocketing fro m 4.5 -  5 % going to 9.75 %.     As you see they continue to mislead me, and pretend to be helping me only to prolong the payments and interest. I have worked hard in order to pay off these loans and have been mislead, and continue to be mislead. They did offer to settle of 85 % of my balance if I paid the {$47000.00} that day. I told them I would n't even have loans if I had they kind of money. They asked me to ask relatives for that kind of money which clearly no one had to give to me or they already would have helped me. The situation is going to get worst for me once our saving of {$5000.00} is depleted, which my wife does n't even want to use that to pay these " loan sharks '' as she calls them because we need to be prepared for an emergency with a   XXXX   XXXX   baby at home. In desperate need of help, or I just wont be able to pay these loans at all, which would destroy my credit. I have already looked into buying a house before my credit takes a hit and I cant ever get a mortgage again. Please help.