I am trying my hardest to keep this XXXX loan account and not behind - I make payments monthly, unable to always make the full payment as I am also making payments on my other private loan accounts. XXXX is telling me there is NOTHING - NOT ANYTHING they can do to help me out at all with lowering these monthly payments. I have called XXXX of times and spoken to nearly every department and explained my situation and have gotten nowhere. I am told over and over again that because it is a private loan, they ca n't do anything about it. 

From my understanding, XXXX XXXX XXXX actually owns the loan and XXXX is the organization managing it. The loan information all comes from XXXX.