I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX.