I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies.