My freshman year, I needed to take out a private loan on top of my federal loans in order to afford college at XXXX University. This was in XX/XX/XXXX-XX/XX/XXXX and I borrowed around {$21000.00} from Wells Fargo. I have continued going to school on and off in the years since and I am XXXX classes away from graduating. I switched to the XXXX after completing two years at XXXX. Meanwhile, I 've had to work full-time for most of these years and I have also become a mother. My debt -- just from this XXXX loan -- is now around {$31000.00}. My total debt is {$100000.00} including all the federal loans and a XXXX private loan. I do n't know how I 'm ever going to repay this amount. This semester, I am taking more time off in order to work full time and start paying off the loan, particularly because Wells Fargo has been harassing my co-signer ( a former teacher/mentor ) and affecting her credit as well, but I also really want to finish my education. 
