JPMorgan Chase & Co. Student Loan Complaint

JPMorgan Chase & Co. Student loan department,

Non-federal student loan Can't repay my loan Can't get flexible payment options Alabama

I have been paying Chase- - of my total Gross income ( which totals - of my Net income ) each month for - years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.