Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.