i am currently unemployed and can not make payments on my private loans. I have enrolled in the income based repayment plan for my federal loans and that is {$0.00}. I have on numerous occasions tried to speak to them about some type of repayment plans or deferment or something to if they could help me, eac time they just tell me NO, the minimum payment they will accept a month would be {$170.00}, unfortunately I dont have that. Then they ask if any amily or friends will make my pyments for me. That is a joke. I just need some understanding help.