Wells Fargo Inflexible on student loans Sioux Falls South Dakota

I took out my private student loans through various sources which, over time were bought by and are now managed by Wells Fargo Education Financial Services. My loan payments total $1000 per month.

In August, I took maternity leave and filed for a 2 month hardship forbearance which ended in December. When I got my bill it was for more than I had originally been paying.

I called WF immediately to consolidate for a lower interest rate, and they denied the application because my account was not current. I could not make the payment because my paychecks had to be adjusted (as my school district does) to account for the maternity leave.

I have received numerous phone calls telling me that the only way, at this point to avoid default is if I make the minimum payment. I have spoken to managers in an attempt to make an arrangement to make smaller payments until my contract ends where my paycheck will be back to normal.

No one has been willing to work with me on this. I have met with attorneys who have told me that filing bankruptcy would not discharge the debt. I am being expected to make what I consider a "second mortgage" payment on a teacher's salary.

At this point, I see no way of staying out of default. If anyone has any suggestion, please share.

Candace
Aurora, Colorado
U.S.A.