I had my Student Loans account with XXXX and I never missed a payment. When my loan was transferred from XXXX to XXXX XXXX, the monthly payment was increased from {$190.00} on XX/XX/XXXX to {$390.00} on XX/XX/XXXX. I contacted XXXX several times and each time I was informed that the new amount was due to the " consolidation '' of the account. My loan account had been already consolidated XX/XX/XXXX before it was sent to XXXX. XXXX refused to provide me a written explanation why my payment was XXXX after they took over the account. I stopped paying because I could not afford to pay {$390.00}. XXXX did not provide any solution to this situation. In the meantime they added {$8000.00} interest to my account. 

I was contacted by the US Dept. of Education XX/XX/XXXX and after calling them back I sent all the forms and documents they requested. Once they received them, they hand all my information over to a collection agency, AlliedInterstate. They added {$14000.00} collection fee to my account. 

I have contacted the Dept. of Education a few times. They said I have XXXX options : pay in full the owed amount ( which is not an option unless I win the lotto ) or " work '' an arrangement with the collection company. I contacted them or answered their call but they are full of XXXX because they know they " own '' me. I have also contacted the ombudsman, who all they did was to provide me a worthless case number but nothing else. 

Interest from XXXX and collection fees from AlliedInterstate have added are more than 50 % of what the original loan was. I 've never refused to pay my loan or missed a payment while the account was with XXXX. As an individual I have the right to know why my account has, all of the sudden, double the monthly payment and refuse to pay if no explanation is provided.