I am a recent college graduate from the University XXXX XXXX in XXXX Pennsylvania XXXX one of the first in my family ). However, due to financial difficulties after attempting to pay completely out of pocket I took out loans through XXXX XXXX ( now Navient ), totaling roughly 60,000 over 3 years with my grandfather as a cosigner. During college I paid all interest to keep the loan as low as possible after I gradtuated. When initially getting the loans they were to be paid over a course of about 20 years. However, once I received my first statement after graduation, I saw that the amount due was just under {$800.00}, something that was impossible for me to afford. I attempted calling Navient to inquire as to why the loan was so high, and they informed me that my loan had been changed to an 8 year loan and neither I nor my cosigner were informed of this change. Due to this, I forebore my first payment. Over the next several months, I attempted to figure this out with Navient, from which came nothing but a series of false information, Navient hanging up on me mid-call several times, and three more forebearances ( as well as misinformation regarding the forebearances ), with no results. All I want to do is make my payments, but I can not, nor can my cosigner afford the payment.