I had called Key Bank several times to help take care of my loan. I can not afford payments right now of almost {$80.00} a month. I explained to them my current situation several times, that I am working but can not afford to make payments for several months until I get back on my feet. I just graduated and got a job, my husband just went back to school and we have a baby. I explained I would have an opportunity to start tutoring and could afford payments around XX/XX/XXXX or I could pay a smaller amount and they refused to do anything or provide any help in any way. The said I could never refinance my loan or consolidate it, I ca n't get lower payments or a forbearance, or any kind of payment plan. I was told there is nothing they can do for someone who is trying to take care of their bill. They gave me no explanation why except that some other internal department at Key Bank said " no ''.