I have XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run.