My loan company is demanding way too high of a monthly payment from me...need help/advice?

My loan company is demanding way too high of a monthly payment from me. When I worked the math out, I literally would have less than $300 dollars left! I've already deferred them once and would like to avoid doing that again.





Everytime I call and try to reason with them, I swear they are just reading a prompt on the screen and give me the same answers over and over again. I've asked for a manager and this doesn't seem to get me any where either.





Is there anything I should be asking that I'm not. I've told them about my income, etc and have asked about consolidation (the payment went down a bit, but not much)....nothing seems to get through to them.





Thanks for any advice.My loan company is demanding way too high of a monthly payment from me...need help/advice?
They are legally obliged to follow the terms of the loan contract you signed with them. And you are legally required to follow those terms, too!





If they are not following the terms, sue them!





If you are not, then you need to get an extra job or two to meet your obligations!My loan company is demanding way too high of a monthly payment from me...need help/advice?
variable rate mortgage? If so... refinance it to a fixed rate. Its only going to get worse if its variable rate.





If its a credit card company... find another company offering a low rate for balance transfers and move the debt. When you do something like that though.. you have to CUT THE CARDS and don't charge any more until everything is completely paid off.





other than those options... get another job so you can pay your debts. and quit spending more than you make.
I work in the marketing department so I am not reading a script but if you contact me personally I will send you a link and hopefully someone can help there is no obligation like all the others but it may be the answer you are looking for it may not be.