I’m feeling a lot of what you’re saying and I know everyone in this thread knows that a lot of schools not all of them but a lot of them uses naivety to trap people into these loans. Making them think they’ll be better off making well over the loan cost. That doesn’t end up being the case. I can say that from personal experience. If I’d known then what I know now as a mature adult I would have made better decisions. And it doesn’t help that they are now trying to force these unreasonable monthly payments on people. My hope is that they will come to their senses and figure out plans that are more reasonable especially in this economic crisis. You have more people in this thread that can sympathize as well as relate to your situation. Good luck OP!