I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.