Hi, My name is XXXX XXXX. I am also a father of XXXX, a husband, and a dedicated contributor in daily society. I am a XXXX worker and love impacting the lives of so many people on a daily basis. When I leave my XXXX I am forced to work a part time job 4 days a week at a XXXX to make ends meet for my family. I currently live in a XXXX bedroom apartment and struggle to make ends meet each month. Day in and day out my family is forced to sacrifice so much because of a decision I made to receive a private loan. The amount I pay monthly is ungodly and is enough for a mortgage on a home. I would love for XXXX day to be able to purchase a home for my wife and family, but for me this is out of the question as I will be paying student loans until I 'm XXXX. I 'm not quite sure how this will work as I get older, as I know I will be unable to maintain the amount of hours I am working now on a daily basis. I do everything I can for everyone around me, if you ask anyone I am XXXX of the most honest and hard working people you will ever meet. I am stuck in a situation I am unable to get out of and I am very disappointed. This decision has left me regretting going to college. I have never missed a payment since sustaining a full time job in 2010. I pay my college loan on time each month and I am always in good standing. Would it really hurt to assist someone in making a better life for their family. I do n't want the option of deference or increased interest rates. I want the option to lower my payment so my family and I can afford the things in life that I went to college to obtain. I look around and I am truly blessed with everything that I have in life, but my family needs more and I want to be able to provide that for them. I would love any assistance that is possible in decreasing or forgiving my loan. Thank you for your time.