I owe about $ 24,000 in private student loans, which I cannot afford. I have tried on uncountable occasions to try and opt for a payment that’s reasonable for my situation but I cannot seem to get on my feet. I understand I owe this debt but i don’t make enough to pay on it. My last payment on this loan was about a year ago. I spoke with a bankruptcy lawyer who states this cannot be dismissed. I have about $ 54,000.00 in federal loans but I’m under the IBR in which I actually pay nothing right now. I need guidance!! Please!! Any information that you could provide in this matter will be helpful!!