XXXX University, XXXX, PAMy monthly payment is too much for me to afford. I do n't have anymore forbearance or deferment time left. i am going back to school in XXXX but i only have 8 months of in school deferment left. Navient has suggested that i lean on my co-signer, who cant afford to help these days, as well as go into default on my mortgage to make payments.