I was going to be in the Pharmacy program so I applied for a private loan while attending XXXX XXXX University XXXX a private school ) in XXXX, FL. I came under hardship with my family, I had to leave the school and attend something more affordable, a state school. That one year at XXXX has caused me my largest debt of over XXXX dollars. I was paying on my school loan faithfully for many years, but the balance has not gone down because the interest rate is extremely high and I feel like I am suffocating. My family hardship is still continuing because of my mother 's declining health. Due to this I have to live with her and contribute the majority of my income to the household. I had to stop paying on the student loan because I just could n't afford it. I had called many times prior to ask if there was a way to decrease the interest rate or get some type of forgiveness because I work for XXXX, I was n't sure if there were any programs out there for me. I was rejected multiple times.