Thanks Knowitall.

I appreciate your feedback on both posts.

I have no problem paying back my loans however, having to pay 55% of my gross monthly income towards the loan for the next 30 years is not realistic.

I really don't know what avenue to pursue. When I spoke to a bankruptcy lawyer in Feb. he completely shut me out because the debts dealt with student loans. I don't know much about chap 13 however, it seems obvious that my only viable option is:
1. die
2. set up a repayment plan via chap 13.

What are your thoughts?

Thanks again for any feedback.