<prompt> Human: Background: I almost finished the needed requirements to apply to PA schools. I need one more course, which I plan to finish next semester. However, I have been working to meet the patient care experience I need. During this down time, I planned on not deferring and planned on paying back some loans. However, Sallie Mae has been unreasonable. I work 40 hours a week at a hospital as a tech. I make 700 every 2 weeks more if I work over time, and I barely can afford rent, food, and basic needs. However, Sallie Mae wants me to pay them 400month on what is considered poverty line income. It was 960 a month, but they generously brought it down. What can I do? If I have my wages garnished, I will be living on the streets or my car.  <response>: Why cant you defer and just pay what you can towards it?But youre acting like theyre demanding some random number they made up. You took out the loans. You signed the paperwork. They reduced your payment by more than half already. 