Currently out of college. XXXX from XXXX XXXX of XXXX and University XXXX XXXX. When your in college your told its ( private student loans ) just like your other loans ( XXXX ). Then you graduate and find out there is no payment plan besides what they charge to have paid off. There is no help for how private borrowers are being ripped off. Then told private student loans fall under same category of federal student loans in Bankruptcy. That is not fair when private loans are not federally backed and dont have to offer income based repayment but are protected in Bankruptcy. If they are protected then they need to offer the same repayment options as federal student loans. If they dont have to offer same repayment then they shouldnt be protected in Bankruptcy. Its not fair to us borrowers. Since obtaining my degrees my private loan balance has increased to XXXX and payments are $ XXXX/month. I cant afford this and still try to survive. What can be done? What help is out there? My loan is thru Navient. They owe and are not forced to pay but those of us barely surviving are forced to pay.