I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to.