The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?