I'm currently in a lot of Government Loan debt... When I started going to school my parents had to declare bankruptcy and well, long story short I'm now in a lot of debt from Education loans. I'm in over $75,000 worth of subsidized and unsubsidized loan debt. I have a Great Lakes loans and an American Education loans and right now I have them at their lowest consolidation paying over $800 a month and I'm quite literally drowning in debt and I can barely afford rent, food, with a good job... and now that i lost that job... i was able to get them to defer it for a couple of months but now they told me that i'm going to be paying EVEN more! Some one help me please! I can't even afford to have heat! These are government loans not regular loans, bankruptcy is not an option (that i know of anyways).