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Can't get other flexible options for repaying your loan. I have private loans from Navient. I am currently 9 months XXXX about to go on leave from my job as a XXXX in a XXXX and will be getting a small income from XXXX until I do find child care for my baby. They are unable to help me with any type of financial hardship. Both cosigners are older and only making enough social security to support themselves. They wont help me with any type of payment unless I make payments of {$510.00} each month which is INTEREST ONLY! I can barley pay my bills to live right now and they will be sending me to collections if I don't pay this month. I just don't make this type of money and it is impossible for me to make this type of payment just for a private student loan. I need help!!!