Originally Posted by DrinkingHard

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