When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!