I have a private student loan with Wells Fargo with a Guarantee Amount of {$14000.00}. This loan went into repayment status in XX/XX/XXXX. My current balance is {$15000.00}. I have continued to struggle to make my monthly payment for most of this period, which is currently {$190.00}. Wells Fargo will not offer any options to lower my monthly payment without refinancing. Due to credit issues, I do not qualify for refinancing without a co-signer. I currently do n't have anyone who is willing and/or able to do so. I ca n't afford to pay my monthly balance without the help of a parent. This parent helps as much as possible and typically contributes about $ XXXX {$150.00} of the balance. I am at the mercy of this contribution, which does not always get to me before my balance is due, which results in late payment fees of {$28.00}. I have incurred XXXX late fees since XXXX, which have only added to my balance and adds to interest paid. I am sending a letter to Wells Fargo along with a repayment request worksheet, which includes my current budget/expenses. I currently earn approximately {$450.00} a month. I work less than part-time due to XXXX issues that are preventing full-time work. Please let me know if you can do anything to help. I am endlessly crushed by this burden and feel horrible that I 'm adding that burden to my parent. I can barely make ends meet. I took out this loan to help pay for tuition at a private art school. I received XXXX for a XXXX. I have no complaint toward the college, they provided an excellent education, opportunities and excellent job placement. What I do regret is not knowing that teaching was not suited for me emotionally. I struggle with XXXX. However, the cumulative stress of XXXX contributed to an XXXX. This I could not foresee and I ca n't risk my health to work toward paying a student loan. 
Heartbroken, Just Another Suffering Student Loan Regretee .... 
