AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

Non-federal student loan Can't repay my loan Can't decrease my monthly payments Minnesota

Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make $800.00 a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for almost two years. I am not trying to avoid paying my loan off, I am trying to avoid not being able to afford marriage, children or buying a house before I am - and already close to retirement. All I want AES to do, is to lower my payment, which is now almost 30 % of my monthly income, soon to be close to 45 %, and/or give me another temporary " hold '' on my loan payments to allow me to catch my breath at least.