I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.