I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.