Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.