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I have been paying (2) student loans a small one and a larger one seems like forever since I was a young mother.  I am now 59.  These loans have changed hands a few times, sold to different companies etc.  The current company is Navient which I had been paying $98 a month, which was difficult but I had managed.  They now want to go up to a repayment plan of $292 a month.  I tried to get a lower plan and the lowest I could get it down to is $192, I CANNOT afford that monthly.  I am a single grandmother raising 3 grandkids (19 year old, 17 year old & 3 year old Heart defect baby.)  I make decent money but with daycare for the little one and rent etc I just can't pay a large monthly bill.  I tried to look at forbearance and I don't qualify.  I did the lower plans, like I said lowest I could get it down to is $192 a month for both loans.  I just don't know what to do.  Any advice?

P.S.  Awhile back people kept calling me saying my student loan could get dismissed but it all sounded like a scam and they hounded me all the time.