Consumer complaint received 2016-04-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (MI)

I have been unemployed since XX/XX/XXXX. Since XX/XX/XXXX, I have been trying to make a deal with Wells Fargo, XXXX loans The School XXXX XXXX, they were going to put the payments that I was behind on at the back of the loan and start me off fresh. I was told ( multiple times ) that everything was all set, only to have the " deal '' fall through because of one stipulation or another. First being that it was my parents that were paying it ( they are not on the loan ), the second was ( at the time ) I owed over {$60000.00}, and third : I had not made 2 or 3 consecutive monthly payments. The last guy I spoke to ( I think his name was XXXX or something of the like ) actually got down on me for questioning the process and after that " confrontation '' I noticed on my credit report next to Wells Fargo was the note " dispute of debt, dispute resolved ; costumer disagrees '' which I was very confused with. I never disputed the debt I disputed the fact that they said they would help me and they did n't, every time I would call or contact someone they were like ok we can do this then the end result was nothing can be done, just pay it. 
Essentially, I have been jerked around by them, when all I have been looking for is help, I want to pay it, and I would pay it if I had the means to do so. I have been trying to get a job, any job, for about XXXX years, I have applied to over XXXX jobs, all over the country, I have all of the rejection letters ( when they think to send them ), the e-mails I have sent to them, and all of the cover letter I have written, I have been trying SO hard to get a job. I have no vehicle, and because of where I live, ( with my parents ), there are no close places of employment to even get a minimum wage job ; providing they would even hire me because I am " over qualified. '' Of the jobs I have applied for I have had XXXX phone interviews, XXXX in person interviews, and XXXX informal, in person conversation. I have been trying to sell my personal things, so I may be able to pay my loans, but I have not been unable to sell a thing. Im quite honestly doing everything I can to obtain money, legally, to pay them. Up until now my parents have been paying my bills but they can no longer afford to help me. I literally have {$7.00} to my name. 
I called Wells Fargo today, to see if there was anything that can be done because I am in such dire circumstances, they didnt even want to talk to me ... I was immediately transferred to the collections department. I have until XX/XX/XXXX to come up with {$380.00} or my debt goes into " charge off '' where I will owe all of the debt all at once ; which is over {$59000.00}. I am trying so hard, so hard, and not getting anywhere ; I feel like I 'm going backward. 
I just do n't understand how they are expecting me to pay when I have no means to, and I dont understand how they refused to help me, I 'm sure they see it differentially but facts are facts. I would be homeless if not for my parents. The only way one can get blood from a stone is to beat a person with it and I sincerely feel that way. I have my government student loans set up so I dont have to pay anything based on my income, they based it on the fact that I have not filed taxes in 5 years. I just do n't understand how a bank can operate the way they do and why they cant be more sympathetic to the plight of their student loan customers. I never would have thought I would have such a hard time finding employment, but I am and I cant do anything about it but continue to apply to any and every job that I qualify for and hope that someone hires me. Right now the only way I see out of this is death, and that is unacceptable ; but the truth. 
What best describes my issue : I ca n't repay my loan, they could/would not decrease my monthly payments or postpone my payments and there was no other option as well as dealing with my lender.