I am an alumnus of XXXX University as of XX/XX/XXXX. During my collegiate career, I struck hardship and had to result to borrowing from private loan lenders to pay for my education. Now, less than a year after graduation, I am in the repayment process. The bulk of my private student loans come from Navient and XXXX XXXX. Navient has been unable to assist my cosigner and myself in being placed on an affordable repayment plan. With a monthly payment of {$830.00} from Navient alone we are unable to fulfill the payments. I recently ( XX/XX/XXXX ) spoke with several Navient representatives, including management, to lower my monthly payment with no positive outcome. I understand that federal student loans have many more repayment options than private lenders ; however, there needs to be some cooperation in the repayment process. It 's extremely hard to begin or elevate a career when you are in so much debt that it is crippling to your ability to grow financially.