My question involves collection proceedings in the State of: Illinois
I am in a long-term relationship with someone who went back to college and somehow accumulated $87k in private loans. I am the co-signer on all of the loans. She has been out of school for a year and is still unemployed. I am a public school teacher.
Citibank is now saying that her forbearance period has expired (we thought she had 3 years, they are saying 6 months) and she must start paying $750 a month. There is no way we can afford this payment on top of the mortgage and credit cards with just one income. Is there anything we can do to negotiate with Citibank?