I have experience a deficiency in the system, in dealing with US Bank in regards to XXXX private loans. I have unexpectedly, lost my job and found myself in an economic hardship. In efforts to maintain my private loans in good standing, they had been in auto-pay. I am actively seeking a resolution, in which I can maintain a good relationship with my creditors. However, I am no longer able to make any more payments, being that my only source of income is unemployment. I have reached out to XXXX XXXX for assistance in obtaining a deferment, and they said my only option was for me to enroll back in school. I called the US Bank assistance line, and they explained they no loner offered the option for forbearance. I explained my situation and my desire to make things right, and not default on my student loans. Their response : I will have to go on default, in which case they will start calling me ... but once I find a job, THEN I can call them and ask for an extension. It seems unreasonable, that a creditor will not offer options feasible for a debtor willing to make an arrangement while facing financial hardships.