I attended XXXX XXXX University in XXXX, Virginia. Recently, I applied to get my student loans with Wells Fargo modified because my current income can not support my monthly loan payment in addition to my other bills. I was denied my request because the lender stated that to modify my loan payment to 10-15 % of my monthly income would not be financially beneficial for the lender. Wells Fargo does not want to modify my loan because it would not increase their revenue from the loan, however, they also agreed that I could not afford to make the large monthly payment. This seems largely unfair to me as the borrower because I would just need my payments to be lowered until my financial situation improves. I asked if I had other options and I was informed that there were no other options for repayment. I was told that I would have to somehow pay the large monthly payment even though Wells Fargo determined that I could not afford it.