I have had financial set backs over the course of 4 years. I have modified my quality if life to relieve my debt ; but these private student loan interest rates have made it impossible for me to pay and survive at the same time. I have been harassed by callers and by mail. The proposed payment amounts are unrealistic. The problem is the steep accruing interest -- not the original loan amount. I have paid my other bills, controlled my spending, sold furniture and took my daughter out of private school. These loans not only affect me, but yet another generation. The berating from the company callers is incessant and demeaning.