I recently graduated from XXXX University with my XXXX. Navient a company which took over my loans from XXXX XXXX contacted me in XXXX of 2015 for repayment for my XXXX loans from XXXX University. As a XXXX I bring home {$2300.00} monthly after taxes. I am currently paying {$200.00} for my federal loans, and was hoping to pay the same amount for my private loans. After reaching out to Navient for the XXXX time, they told me that my only option was a rate reduction plan, that has me paying {$400.00} plus per month. I can not afford this payment. I have totally wiped out my savings from XXXX of 2015 until now. I know My obligations and I am willing to pay every month, however {$400.00} per month is too much. I do n't have enough money to pay all of my bills, or buy groceries once I pay this amount. Is there anyway my payment can be lowered? 
Thanks