Originally I went to XXXX to pursue XXXX degree XXXX. Before I completed the degree I was accepted to Indiana University XXXX. Because it was another XXXX program and XXXX degree I was forced to take out student loans. It has been so long ago I do n't remember exactly why I was not able to utilize only federally backed loans. I ended up with several private loans over the coarse of the program. Since that time I have returned using work tuition reimbursement plan and obtained and XXXX XXXX XXXX ) but I still can not get on top of these private loans. The interest keeps adding up. Late payments, late charges, interest etc, I fear I will never see the end. I will be paying on these loans longer than my mortgage. 
Now I have experienced several financial changes over the last years or so, that were not for the better. My significant other experienced a drastic change in his employment after almost 25 years. My elderly mother has moved in with me due to her own financial issues and is now dependent on my income. My car that I maintained for several years finally bit the dust and had to be replaced. The list goes on and on. 
Needless to say I am now being threatened with defaulting on the loans being serviced by Navient. Threatening phone calls at all hours including calls to my mother on her private line. I am at my wits end and in desperate need of help.