<prompt> Human: Ive made my payments, but not on a regular basis my job situation fluctuated. I have not accrued any penalty charges but have accrued interest and feescosts. I currently pay the loan through a bank. What are my best options for tackling this? Should I speak with the bank first? When do I know it has really become a problem?  <response>: Im not sure what the problem is. Can you no longer pay? Is the accrued interest within a reasonable amount? What fees are you talking about? What do you mean when you say you pay through a bank? Do they own your loan? Is it an auto debit? Is it a federal loan? 