Sallie Mae Student Loan Complaint

Sallie Mae Student loan department,

Non-federal student loan Can't repay my loan Can't temporarily postpone payments New Jersey

I am behind on my private student loans from Sallie Mae, and I believe they are not working in good faith with me to ensure I can pay back the loans. In order to obtain forbearance, I must have my cosigner report every single asset to them, with the possibility that this will actually increase the monthly payments that I already can not afford. Secondly, if I am approved for forbearance, I must pay a $50.00 fee per loan per month of forbearance that is not in any way applied to my loans or interest accumulated during that forbearance. This is not only unfair and counter-intuitive to the process of forbearance, I believe this is an extortionate practice aimed at discouraging me from using this process and simply accruing late fees and negative marks on my credit. There must be something that can be done other than have money I already do not have thrown away on a fee that does nothing to help me save money and maintain my obligation to this loan