School loan pay off

In 2004 I went to college online and graduated in 2007 with my Associates in Business and a Debt of $20,000. I had to refinance my loan and unfortunately the loan I have is an interest baring loan which is all I could afford at the time. I couldn't afford a payment of $300 a month so I had no choice.  At that time I was an LNA and loved my job which I did for 25 years knowing I had COPD. I am in stage 3/4 now and with COVID-19 I had to leave my job because of my underlying condition. I have had help with unemployment and used it to pay my bills.

Now the bank helped by deferring my payments for 3 months but now they say they will not help and if I miss a payment it will go to collection. I just would like this debt paid because I can't keep up with what I need to at this time. The late fees ontop of my monthly payment is very discouraging. I have been paying this off for a total of 10 years and just with this bank for the last 4. My balance has only gone down approx $6000. I am just overwhelmed and would very much appreciate the help if you feel it in your hearts. If you are not able to I truly understand and we all have our own issues. Thank you for taking the time to hear me and listen. Thank you.
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