I needed to borrow money via private loans to pay for college. I feel that the banks should have a fiduciary duty to explain what the repayment terms will be and also to better evaluate whether or not the student will be able to repay the loans. I am now in a position where I am really struggling to repay my student loans to Citizens Bank. I work XXXX jobs ( over 80 hours per week ) in order to keep up with my monthly payments and I still struggle. The reason I went to college was to enrich my life and my financial future, not to become a slave to my student debt which is exactly what has happened. I feel that Citizens bank should have never approved the amount of money that they lent to me while attending school, and at the very least they should have at least told me what my payment would be when paying off the loan. I felt they took advantage of me because I was nave and young and simply thought that this is what everyone did in order to pay for school. I have about XXXX in debt with citizens bank and I am experiencing a huge amount of stress and anxiety over my student loan payments. XXXX The amount owed to citizens is in addition to my federal loans, which seem to be much more reasonable ) I work so much that I feel that my health is jeopardized as I work from XXXX at my day job and often until XXXX XXXX 4-5 nights per week. 

Citizens bank is not willing to extend my repayment term or lower my interest rates which could really help me to pay this off at a much more comfortable rate. They took advantage of a young college student, and I do n't know where to turn for help. I ca n't keep working as much as I do. I hope the CFPB can help me. Thank you.