1) Sorry to read about your situation. 2) Please see my comment below about getting yourself on an "income-based repayment plan," if you aren't already on one.

1) Sorry to read about your situation. 2) Please see my comment below about getting yourself on an "income-based repayment plan," if you aren't already on one. 3) Believe it or not, student loan debt is dischargable, though not easily so. See [1] & [2] for a 'success'(?) story not involving a fraudulent institution. IMO this decision was the impetus for Sallie Mae (SM) restructuring itself into SM and Navient. [1] https://abovethelaw.com/2013/05/in-showing-undue-hardship-court-is-not-allowed-to-come-into-your-house-and-repurpose-your-wife/ https://abovethelaw.com/2013/05/in-showing-undue-hardship-co... [2] https://cdn.ca9.uscourts.gov/datastore/opinions/2013/05/22/12-35258%20web%20-%20corrected.pdf https://cdn.ca9.uscourts.gov/datastore/opinions/2013/05/22/1...