Okay guys. I'll try to make this short and to the point.

My student loans have came up and I cannot afford them. In all they are close to 100K. The perkins loans are being taken care of through student loan forgiveness (thank GOD). But that's only 17K.

I have 60K in private loans and about 20K in Stafford. I had them in forbearance for as long as I could but now they are back. I was able to get the federal loan back in forbearance but the private loan I could not.

The monthly bill is close to 700 dollars a month. I make 13 bucks an hour and my take home pay is 1600 bucks per month. I live on my own and I cannot afford to pay my rent, utilities and that student loan bill. In all my bills come up to about 800 bucks. I just do NOT have the time to get a second job either. My main job works me to the bone!

I am down the the bare necessities. I have no cable (I only check out DVDs at the library) and a 15 dollar a month internet bill.

I called the loan people and they were unwilling to help me! I do not know what to do!! I tried to register for school to get them off of my back but I cannot pay for that either (and I will NOT be taking out another loan just to go back).

PLEASE HELP ME!!!! Do you guys think I should register for classes at the local community college just to get them off of my back?

These are the drawbacks to private loans. They have limited hardship payments and going back to school will not necessarily get you a deferment....some private loans have limited in school periods and others have in school deferments only for the school you borrowed for.

The only thing you can do is somehow increase your income either by changing jobs or picking up a night or weekend job. There are not many options available. It will only get worse if the loan defaults.

hmm im trying to increase my income and changes fields at the same time.....crap!

I'm only asking because I'm going back to college and I'm trying to soak up as much info as possible about student loans and careers...what did you major in and where did you go that it cost a 100k? And now do you want to get into a completely different field or a similar field to what you majored in?

Again, just asking so I can think about these sorts of things in my own life.

I get the impression that you are working more than 40 hrs a week at your current job? If that's the case making $13.00 and hour, your take home pay seems a little low.

Do you normally get a big tax return back at the end of the year?

If so it may be worth looking into changing your exemptions so you have less taxes taken from your checks.

You won't get as big a return but sounds like you need the money more during the year than a big return at the end.

Also remember the interest you pay on the student loans is tax deductible.