My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life.