I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.