I am a XXXX who as been in practice XXXX years. My monthly student loan payments are almost XXXX of my monthly income. I struggle to make my payments every month. I am current on my loans and have never missed a payment. When I asked my loan servicer to modify my loan terms, I was told that borrowers can only take advantage of reduced monthly payments for a XXXX year period and this option is only offered once throughout the term of the loan. I understand that servicers have options to modify loans because they do so when borrowers are in default on their loans. servciers should offer these same options to those not in default.