I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.