Messages

I have been paying my loans (late every month) for the last 4 years or so and am reaching a breaking point financially and mentally.  The likely hood that i will never own a home or have an average credit score is becoming more of a reality with each passing month.  I have already used up all of my forbearance and am running out of options, soon my fathers credit score will also start to take a hit since he is the cosigner.  At this point i am reaching out for any advice or direction i can get.  What types of programs or assistance is out there that work with private loans?