Interesting student loans tripled... When I graduated from wwu in 2003 I was unable to find a job for 6 months and then I was irresponsible and charged unnecessary stuff to credit cards. So when I did finally get a job I spent the next few years playing hard and paying off credit cards. After a couple years dept of edu finally caught up on me and threatened to garnish my checks. I enrolled in their repayment plan and my student loans went from 28k to 15k in less than 16 months. Only way i was able to lower this fast was because they removed the penalities from my account after I followed their repayment plan. I find it hard to believe loans went from 30 to 90k and that theyre unwilling to work with you. Unless you absolutely failed to follow repayment plan several times.