<prompt> Human: I currently have around 50k in Wells Fargo student loans, along with around another 100k in mixed private and federal. The monthly payment for all loans is astronomical. Every lender EXCEPT Wells Fargo, has put me on a payment assistance plan. When I tried to consolidate my two WF loans, they told me I needed a co-signer, which I do not have. And then when I tried getting on their payment assistance plan, the judgment they rendered, was the monthly payment of 500 was reasonable.What are my next steps in order to lower the monthly payment. I am falling behind in other areas of life, because a large chunk of my paycheck goes to WF. Im tempted to just stop paying them to pressure them to lower the payment.  <response>: If you just stop paying, the only one you are hurting is yourself because its going to kill your credit and its not like they will just go away and leave you alone. 