My student loans are through XXXX and ACS. XXXX is working with me and basing my repayment on income. ACS is not working with me. I signed a statement with ACS that the loan repayment would gradually increase every two years and it had gradually increased. Now, ACS is requiring a 50 % increase in the repayment amount. In my opinion, that is not gradual. ACS states that it is their prerogative to increase and they believe that the increase is gradual. The new amount would equal approximately 25 % of my income. This is in addition to the amount I am already paying XXXX. The increased amount is equal to my food budget and now, as a XXXX year old, I am being forced to determine if I pay the increase or do I not eat? Is there any way you can help me?