I think you are smart.. YOu can usually consolidate or restructure your student loans and they are low interest so keep that in mind when reading the article below. But yours is a private student loan so only you know the amount… You might want to see if the financial aid office at school can help with that portion. It not below article might help.

Witht he collections thing you might be able to negotiate more or use consumer counseling (the government one not other agencies)

For partial or total consolidation read this article with CAVEAT: be careful to not recur NEW debt once things ease up for you.

2nd your situation has trickies and you should consult pro to help. Check out the resource sin the article.

More information related to bad debt

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