. In XXXX of 2014 I called in to my student load holder and found out that my loans were in default. I then was set up on a payment agreement over my schedule payment to bring my loans out of default after 6 months. After completion of the 6 months my loans remain in default. I was then told until I repay the past due balance I would remain in default. My only option now is to increase my payments again over my loan payment. I want to continue to pay my student loans as agreed and not have it effect me negatively while continuing to pay. I am not looking for a way out of paying loans but to bring my loans out of default status.