Greetings, I will keep it concise as possible. I 'm a XXXX from XXXX College based in XXXX, MA and Wells Fargo Education financial Services is XXXX of my private student loan lenders. I have been underemployed since graduation and they are aware of this though I have always maintained my payments until just recently where I am falling behind because of my multiple other loans, my gov't payments increasing, plus rising cost of basic living expense. I have tried for many years to either consolidate or refinance my loan with them but even despite a time when I had good credit and good payment history, they declined me because of my other student debt. Now I can accept if they are not willing to do that as they are a private company and its their discretion, however, as indicated on my attached statement, I strongly object to the XXXX monthly late fees I am being charged for struggling to make my payments which now add up to {$60.00} not including past fees. 

I feel something needs to be done. I have done everything I possibly can to keep up with payments, I still live with parents, sold my car for a cheaper XXXX, limit how much I eat and considering the interest I have paid WF total and the fact they have no refinance options for XXXX these fees are unacceptable and wrong.