I have an unreasonably high payment and interest rate with Chase that - alone - is 20 % of my monthly income. If I were able to consolidate it with my federal loans, I would easily be able to make the payment every month. Instead, I am deferring my federal loans because they allow it, and paying my other private loans as I am able, but forced to pick and choose on a monthly basis which I am able to pay. I have looked into every possible consolidation option, but they all require a decent credit score. I have terrible credit as a result of student loans, exclusively. 
I have explored every possible option with Chase to lower or reduce or delay my payment. They are unwilling to work with me in any capacity, and have repeatedly shunned any effort that I have made to attempt a solution that is tenable. I budget very well, and I have attempted to raise my income in numerous ways. However, my negative credit is affecting my employment advancement, as many employers consider credit history, which in turn is affecting my ability to raise my income enough to meet all my payments. If I were able to consolidate with my federal loans, I would happily go on income-based repayment and repay the loan faithfully until it is paid in full, but this is somehow still not an option, and I did n't understand the difference when I was XXXX years old, and the interest rate was lower at the time than the federal loans, and thought I was making a practical financial decision. I am not attempting to shirk my responsibility, but there are some months when I decide between paying all of my loans/rent/vehicle, versus buying groceries. How is this right? What did I do wrong? What can I do now?