Sorry, I think I kinda hijacked a thread before, so I am going to start my own. Any input would be greatly appreciated. I currently owe $60k in private student loans and $30k in federal student loans. My monthly payment on my private student loans are $600 per month for 20 years. I cannot afford to pay $600 per month as well as my other living expenses. What happens when I do not pay? I know there is no bankruptcy protection, but when they sue me, can a judge mediate and help me to get more reasonable payments? Also, I am in the state of Indiana if that makes a difference. Thanks in advance for any comments.