Watch "Shawshank Redemption" and "The Pursuit of Happyness" these are stories which give you hope and the confidence that even under extremely difficult circumstances you can survive with dignity and overcome your worst fears. It would take just couple of dollars and a weekend to watch them.
I personally dont consider Bankruptcy as a an option, you went for the college which you aspired for, you took a loan and knew you would have to end up paying for it. Adulthood is about taking responsibilities for your actions.
You have 2 seperate problems,lower monthly income and loan repayment. Many people have given suggestions for reducing/negotiating the interest rates, or deferred payment, talk to your debt collector, ensure at least the interest component is paid. If you can tell your skills and level of competency, people can suggest jobs or places you can make higher $/hr than your current employment.
Dont leave hope, you would surely overcome these challenges
I personally dont consider Bankruptcy as a an option, you went for the college which you aspired for, you took a loan and knew you would have to end up paying for it. Adulthood is about taking responsibilities for your actions.
You have 2 seperate problems,lower monthly income and loan repayment. Many people have given suggestions for reducing/negotiating the interest rates, or deferred payment, talk to your debt collector, ensure at least the interest component is paid. If you can tell your skills and level of competency, people can suggest jobs or places you can make higher $/hr than your current employment.
Dont leave hope, you would surely overcome these challenges