Yes there is a way  you can make lower payment, we will help you successfully repay your loan.
If I qualify and apply for an Income-Driven Repayment Plan and am successful with my application, what happens after I apply?
Once you have applied your federal loan servicer will let you know regarding your eligibility and, if you qualify, what you loan payment amount will be.
I'd like to ask you another question about student loans. What are the requirements for a deferment?
Do you think that you may qualify for a Hardship Deferment?
How do I find out if I qualify for that Hardship Deferment?
Are you receiving any sort of welfare?
I am not receiving any sort of welfare at all.
Are you working full-time with earnings that would fall below 150% of the poverty guideline for your family size and state of residence?
I am not working full-time as I am a student.
Are you serving in the Peace Corps?
I am not.  I am simply a full-time student.