Since then I have to inform you that I lower my payments for a few months due to financial shocks, but they refuse to help. I have never missed a payment to them before
You must call and talk to someone. Try as high a person as possible. Better yet, if it is a physical place, go ahead. Dress professionally and Explaing the situation. Tell them you do not need the original intent, you understand just what your options (for instance, that is exactly) are.
If they still obsinant (I would be surprised if they are thoguh) you can offer to extend the loan, they must agree, because in the NED, they will be more $ for higher interest payments.
