Essentially when I left school at the XXXX, I was left with the burden of very large student loans. Half of these loans are serviced by XXXX XXXX ( now Navient ). When I first applied for these loans they made these loans seem like cake and rainbows and that nothing was better. They offered me what they call XXXX, which are anything but 'smart '. They have been unwilling to work with me to come to a reasonable payment option for these loans, and as such I can not possibly make the payments required currently for these loans which puts me and my cosigner at great risk. When talking on the phone with them they seem to everyone just has money growing from a tree in their front yards. I have attempted now to find a solution to lowering my payments in any fashion as I have exhausted all of the forbearance limits they have in place. They have not been willing to work with me and I now risk defaulting on these loans.