Sallie Mae Student Loan Complaint

Sallie Mae Student loan department,

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

I graduated in - of 2016. I earn $ - full time. I have government loans as well as $85000.00 in Sallie mae private loans. There are - loans total with separate payments. The total of the - loans is roughly - month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has - and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay -. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have - in government loans, but they will let me use an income based payment. My mother has - Parent plus loan which she consolidated to lower her payments as well.