I’m new to the group—have about 28,000 in student loan debt... I just can’t afford to pay it. At this point—I’m 800 behind in payments. I dread calling them... how hard is it to get the payments more affordable?
So, I’d probably start by trying to defer the payments yeah, they have options for hardship situations. And you should be able to handle all that on their website.
You need to take immediate action. Start by calling to negotiate a payment plan this isn’t going away. To improve your situation, consider taking on extra jobs or selling items you no longer need. It’s time to cut spending sharply. Bring your own food and snacks, pack lunch for work, and eat at home. Consider side gigs like selling blood, walking dogs, or applying for part time roles at stadiums or arenas.
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