My loan holder is Navient, formerly XXXX XXXX. My account number is XXXX. I have several types of federal and private loans with them as I have loans from XXXX my time as an undergraduate and as a XXXX student. When I initially graduated XXXX school my loan payments were roughly {$2000.00} a month. I was able to pause payments while I looked for employment. Since finding employment some seven months after graduation, I have made a steady {$60000.00} a year. Upon beginning employment, I asked Navient if I had options for income-based payments. They told me to fill out an application for Income Based and Income Contingent payments and to select that I want Navient to choose whichever is the best option for me. I complied ( through some effort because there was an issue processing my application ) and eventually my payments went down to {$1500.00}. However, after speaking with a fellow attorney who had more total debt than I did and made the same exact salary, I was worried something had gone wrong because where he was only paying {$300.00} a month I was paying {$1500.00}. I called Navient and asked them to look into this and I was informed that they had done something wrong with my application and my payments should actually be lower. However, my payments were only lowered to {$1000.00} a month. I asked if there was any other way to lower my payments as I literally can not afford to move out of my father 's house on this salary and am struggling to make the payments and was told that because of the way my loans were " grouped '' there was nothing that could be done. I have been making the payments at {$1000.00} a month but it really is an unbearable imposition. I can not afford to live on my own when paying {$1000.00} a month for my student loans on top of all the other financial responsibilities I have. Furthermore, most attorneys I speak to are shocked that I pay so much more than they do in comparable circumstances. I want to make sure that the amount I pay really is the fairest amount and that I am not being taken advantage of by Navient. In spite of my continued efforts I still find myself drowning in these payments. Thank you for your time.