I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.