Discover Student Loan Complaint

Discover Student loan department,

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

I have been paying back my student loan since -/-/-. I was late for - payment about 2 years ago and it was only by a few days. Other than that, I have never missed a payment no matter how hard it was to make the payment. I tried in good faith to get them to refinance the loan. However, they keep saying they will be coming up with refinancing options, but they never do. The terms of the loan are completely unfair. It is very high interest and a very short term. This makes it nearly impossible for me to live month to month. It was originally a $44000.00 loan and by the end of the loan I will have paid roughly $100000.00. Seems a bit unfair to help a student get an education.