I graduated from XXXX XXXX in 2007 with over XXXX in Federal/Private loans through XXXX XXXX. Since 2007 I have been taking advantage of every opportunity to lower my payments and defer most of them ( to this day I still cant afford to start on the federal loans ) I am at a tipping point, every month it gets harder and harder for me to keep up with my loan payments and in XXXX my lower rate plan will end and my student loans will rise. I am panicking as I do n't know how I will afford them. Had I know at anytime during my time at XXXX XXXX that my loans would be this much I would not have attended this school. It seemed every-time I met with financial aid to re-sign those loan papers my estimated repayment was always around XXXXmonth, not the actual XXXX or higher/month that it really is.