Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

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

I have roughly $ - of Student Loan debt, $ - of which is Private through Navient. All of my loans are cosigned by my - year old grandmother who lives on Social Security benefits month to month and makes a yearly income of - - ( she dips into savings every year ). My mother has cosigned - of these loans for $11000.00. She too makes little ( she works for - - ) and is currently fighting a foreclosure suit on our childhood home ( my dad passed away in 2012 but prior to his passing, he took out a home equity loan for $140000.00 - now my mom is stuck with this loan, even though she never signed the agreement and is a co-owner of the home - that 's another story ). She has a 401k. Navient will not let me lower my monthly payments because both of my cosigners show as eligible to pay the full amount of the loan. I am on a - year plan right now but I need to extend to at least -. After pestering and talking to the supervisor at Navient, I found that my cosigners are deemed eligible to make payments on the loans because they have assets - they are both homeowners and have retirement savings. I applied with - - to consolidate my loans and they will not work with me because I have too much credit out currently, even with a cosigner. I feel trapped and scared and horrified and I do n't know what to do. Do you have any advice?