lusophiliac

Did you ever smoke tobacco?

OK, didn't see this come up in previous questions, so here goes:

A younger relative racked up about $160k in STUDENT LOAN DEBT that he didn't pay for a while due to being out of work. Collections agencies called him (and me) for a while and it appears now he's making payments, at least sporadically. He is in a state of despair because he is not making good money, is married, lives with his mom and basically feels the creditors owns him.

What options does someone who has a lot of student loan debt that has already gone into collections have? Bankruptcy I understand is rarely an option for student loan debt. Can any negotiating be done with the creditors? Thanks in advance.

Do you take any medications for this and do they help?

Why?

Time to toss out my kids' JoJo bows