Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
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