unfortunately all of my loans are private, and im about to default and go into litigation
I fell into a scam with a law firm and they told me to quit paying my loans. this increased my balance by thousands. After realizing I was in a scam, I stopped the payment and contacted my lender. I told them I was only able to pay a certain amount, they came back and said it's not good. I informed them that my salary will prohibit me from ever being able to pay off the total and I would have to file for bankruptcy. They set me up on a 10 year interest free plan.
Finding ways to work with your lender is important. Do you research on the company and see what others have done in the same situation you're in.