<prompt> Human: I recently June 2017 got my loans sent to Navient after paying 10mo. on them without penalty. Now that Ive been paying through Navient, I feel like Im paying more than I should. In June, they told me I must pay 78.70 a month, but I asked for something lower. They put me through some sort of income plan based on if I was going back to school soon, and now I pay 47.19mo.Edit: I owe 2,574.94 on subsidized and 4,452.05 unsubsidized both with 3.86 interest rate.I gross 20,350yr. and 78.70mo. is insane, and so is 47.19. I can barely afford that. What do I do?  <response>: What is your budget like? 47 is already a small amount and its not an unreasonable payment making 1700 a month 