I recently called Navient, my private loan lender. I told them that at this time I make about {$300.00} less than what I need to make to cover all my other living expenses. I told them I have proof if need be. The woman I spoke to added all my current bills, added them up and told me the best she could do is {$200.00} a month. If I pay this I will have to sacrifice something I actually need, like gas money, my phone or food. I have no family to help me and I do n't live some extravagant lifestyle. I told her I could pay her {$100.00} now because I just got my taxes back and I could try to do so every month until my circumstances got better. I have been looking for both part time evening work and other substantial gainful employment since I graduated in XX/XX/2014, but I have had no offers. I have proof of how many applications I have sent as well. She told me that it would n't matter and that my account would still go delinquent and eventually get " charged off ''. I am trying, I ca n't do much more than what I am to get better money to pay these bills. I want to pay something but it does n't seem to matter and I 'd basically be wasting my money anyway. What should I do?