MOHELA Student Loan Complaint

Federal student loan servicing Can't repay my loan can't decrease my monthly payments

MOHELA Student loan department,

Federal student loan servicing Can't repay my loan Can't decrease my monthly payments California

I graduated in - after getting an - from - I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in - and I sought work out of the home to take care of my son. In - I filed for Chapter - because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around $35000.00 when I graduated in -, is now almost $150000.00. I am almost - - - and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working - jobs. Wow what advice. I have applied for - jobs, for government jobs and even the -. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.

MOHELA customer in California
Oct 03, 2016

* Source: CFPB Complaint Database

MOHELA response to complaint:
Closed with explanation

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