I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.