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Can't decrease my monthly payments. I have 3 private student loans serviced by Navient ( current balances of {$14000.00}, {$9900.00} and {$26000.00}. The interest rates are really high ( XXXX % and XXXX % ) which makes even interest only payments impossible to repay along with my 2 direct consolidated federal loans ( current balances of {$74000.00} and {$91000.00} ). Together, the payments on all of these loans totals {$1200.00} per month. I make {$2500.00} gross/ {$2200.00} net biweekly. I am the sole source of income for our family of three. I was unemployed from XXXX 2016 through XXXX 2016, although I worked odd jobs, XXXX and XXXX to try to cover our expenses. We ended up qualifying for XXXX for a period of time because my income was so sporadic and unpredictable. I finally found a job