I graduated from XXXX school in XX/XX/2007, In debt with a student loan to the amount of about {$19000.00} dollars. Jobless and making a little more than the minimum wage and with a car payment and no real future in the XXXX world i decided to go back to school. My loan went into forbearance, after a couple of years of that i started to make payments on my loan that now was at over {$25000.00} dollars I could not afford the {$390.00} payments. So i stop paying after being harassed day and night i came to a payment plan by this time my loan was at {$30000.00}. I made monthly payments for over a year of {$250.00} a month but no matter what my loan does n't seem to be going down the opposite has happened it continue to get bigger. I am at {$33000.00} and have been out of the program to repay it because i do n't qualify for it any longer, but i still cant afford the payments and with a variable rate that is at its highest at 8 %. I cant afford the payments I 've tried to work with them but i do n't qualify for any program and even if i sent any kind of payment my loan seems to be going up because of the high interest rate. The worst part is the school has since I 've graduated now been closed down and does n't even exist and my {$19000.00} loan is now over {$30000.00} and I feel like I am drowning and i have no life vest. i have tried to set up some kind of payment plan but I just cant get to make anything work for me. I attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. On top of that i did n't understand the difference between a Federal loan and a Private loan and now i am stuck with a private loan.