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Check into grants and forgiveness loans available through your state or federal government. Go and speak to a financial advisor about your situtation and see if he/she can help you get your situation improved. Banks and finance companies don't want to write off bad loans, they are 99.9% of the time more than willing to work out some kind of payment plan to help you get the loan paid off.
Just my 2 cents, good luck!
DH
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