I have XXXX private loans being managed through American Education Services AES. These loans are also co-signed. I have never defaulted on the payments, but my pay schedule is not in line with my due date. The begin to calling my co-signer over and over again starting the day after the due date. They rarely, if ever call me. I have over {$100000.00} in loans both private and federal and have asked AES to work with me on payments that I can afford. They reduced to the payment, I am still making {$240.00} a month payment and {$0.00} of it is going to the principle so 100 % goes to them for interest and my balance is going up monthly. The are rude to my co-signer. The calling multiple times a day. When I call them back the make threats to me. I make the payment due and within days they call saying I owe more money and that I am delinquent. I have paid XXXX of dollars a month and have still been considered delinquent. Payments are made they say I owe then fees show up out of nowhere. The are harassing myself and my co-signer. They are apply {$0.00} to my principle and therefore, my loan will never be paid.