Consumer complaint received 2016-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (IL)

Complaint:
I attended University XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
It also does n't make any sense to ADD interest to outstanding student loans when graduates like me are unable to make a payment. I feel lenders are greedy and totally taking advantage of citizens that are trying to better our future economy however education has NOT proven to be utilized rather than a scheme for lenders and schools to rack up thousands in debt to those struggling for a life changing path to help us. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making a low XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt. 
The issue is I have over XXXX dollars in student loan debt about XXXX of which is interest charges and I cant even get a job to acknowledge my education achievements, but the banks continue to charge fees and want money. I will die before being able to pay this back in full. I cant get a loan for a house. Is there any way to get this forgiven? Partial or in full? I 'll gladly give my degrees back! 
Thank you,

Company response to consumer: Closed with explanation