I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. '' 
