This Keybank/XXXX loan was to pay XXXX, The XXXX. I am on a graduated payment plan, but it is about to balloon more than XXXX the amount I am paying now and they said I have no options. I explained I am a single mom who is currently homeless and with a XXXX ( staying with friends and family ) and would n't be able to afford {$400.00} per month. My net income last year was XXXX. My XXXX may be able to support that much next year but not this year. They refused to refinance me. They said I do n't have any options. It feels illegal and wrong somehow. I 'm still willing to pay I just ca n't afford that much right now. I 'm begging for your help.