American Education Service ( aka AES ) is the current servicer for my private student loans from XXXX University & XXXX University. I contacted them in regards to obtaining a lower monthly payment amount due to having a reduction in hours at my current job and also to have my due date aligned to the XXXX of every month. I have provided documentation to support my monthly income and expenses, yet they refuse to work with me and will only offer a temporary 3 month deferrment. I suggested a permanent option of reducing my monthly payment from {$700.00} to {$350.00} per month, which they still refused. At this rate, that I am going default will be the eventual outcome,