I graduated last 2007 granted with a XXXX XXXX at XXXX - online base in XXXX XXXX XXXX. I have been paying my loans and when it starts I was on my XXXX $ after 2-3 years my balance is still the same. 3 months ago I filed for defferment to this loan due to my work status changes to part time. This XXXX the repayment of the loan will start again and according the representative that I spoke with last time that I have exhausted my defferments and I can not reapply again and I have no choice but to pay my loan monthly. Please help me on what to do at this point.