I was told over the phone ( about 7 months ago ) by a representative that my private loans had a forbearance window of 36 months over the life of each loan. This turned out to be false, and only applies to my federal loans. This realization forced me to drop my teaching job in XXXX and return home immediately, effectively wiping my savings ( because I had to buy a plane ticket right away ). I am now currently unemployed because I needed to return home, because my XXXX salary could not or can not pay for the monthly loan payment. My loan payments, all private and federal, including Navient and XXXX, will now be $ XXXX in XXXX. Again, this amount would not have been affordable on my previous XXXX income ( $ XXXX ). 

I have asked several times for refinancing options on my private loans due to my unblemished payment schedule and my low income level but no options have been provided. I would like to payback my loans, but $ XXXX is too much for my income level. Please seek reason and offer me some refinancing options, or point me in the direction of a viable loan consolidation agency.