I am attempting to work with my student loan lender. I do, however, wish everything to be in writing that I can save for my own resources. I have difficulty understanding speech over a telephone, in addition to being afraid to speak through one. I would not be able to fully understand what is being said to me through a phone, and I fear I will agree to something that will not sufficiently help my case. I suffer from XXXX and XXXX that affects my health for days after a phone call. Although I have explained this through email to the company, they have stated that they can not work with my case through email or mail. The only communication I 've received is in the form of a telephone number. I have also received threats against my paycheck in the form of garnishments and my tax return. I have attempted to make payments where and when I can, but my current bills already exceed my pay by XXXX dollars. I receive help from my parents for some of my bills. My daughter is XXXX and needs more care than I am able to find elsewhere, and so I can only work XXXX while she sleeps XXXX nights a week. That leaves me with a night schedule, which I must reverse during the school week to take care of her, and reverse again to do my job well. I have also received the notice that the only legal service in my state that could assist me refuses to assist in discharging private student loans. I am at the end of my rope, with little choice in how to proceed.