I currently have {$110000.00} in debt that is handled by AES. When I have called in the past to get a reduction in monthly payments, they have told me that my only option is forbearance or to continue paying at the current amount. I pay {$630.00} a month to AES. I also pay {$780.00} /month to XXXX and {$160.00} to my federal loans. I can not afford payments as my financial situation has changed and I have to pay rent and household bills. If there is any relief that can be provided, it would be greatly appreciated. My financial situation will unlikely get better over time.