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Problem with your payment plan. I am a XXXX XXXX XXXX XXXX. I have student loan debt of {$XXXXXXXX} now held by XXXX. I have had multiple obstacles to paying the loan that began in XXXX XXXX XXXX XXXX XXXX %. Now there are programs that didnt exist back then, but dont help my circumstances now, but would have changed everything then ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - but even {$XXXX} forgiveness wont fix it ). I have no other debt, a small savings. What can I do? I read the dept of ed., student loan stuff, spoke to my servicers regarding there programs, ( to the point that the representatives and myself XXXX XXXX XXXX ) and its hard to apply their options to my circumstances now. I believe I am a standard case of a common, really messed up student loan experience, that falls in