Forebearance/Deferment

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Has anyone else been having trouble with their forebearance requests for student loans? Mine was rejected becaue my loan is not a federal loan. I don't really know what else to do. I asked about a deferment but was told that because my parents co-signed they would be forced to pay while I was serving this year if I was unable to pay which obviously is not something I want to happen. Help!