i dont know if anyone else out there feels like i do. I made the decision to go to college and needed to take out a student loan. So I did..but this school cost much more than i thought. I dont have much money myself i come from a family without money as well. i wanted to go to college and not have to live so poorly. I had every intention of graduated earning my degree and having a great job....that didnt happen. after one academic year at my school I was informed i cannot take out the rest of my tuition without a cosigner. I didnt have one. If i had known this would happen i wouldnt have taken out any at all. i couldnt afford to continue my education.I couldnt afford to pay it back. I cant get a better job...so I went back to waitressing and then salliemae started sending their bills and calling me everyday at least 3 to 4 times a day. i borrowed 27,000 dollars and now they say due to interest i owe 36,000. So my payments are $463 a month MINIMUM. i cant afford it. these people can take your tax returns harass you for the rest of your life.....I have two children and i know that i have a blessed life but as soon as I even remember that these people have a financial choke hold on me i get this pain in my chest. My breathing becomes erratic.I cry til it hurts. As if this has ruined my life. they are bailing out car companies but what about working mothers who cant afford the ridiculous interest hikes. I actually had a representative from salliemae tell me that the only way to get out of this aside form paying..is dying.i have feelings of hopelessness and a sense of impossibility. 15-20yrs of minimum payments! this isnt a house!How am i ever going to give my children a future when this is hanging over my head? Im about to file bankruptcy because its that bad. Yet student loans are protected so i am unable to do anything about it. I have tried so hard to make things better but i cant afford it. i dont live a lavish lifestyle! I buy my clothes at the salvation army. I drive a car thats 10 years old. Why does college have to be so expensive? There has to be help out there......i cannot do this on my own. I dont want my children to be affected by this...Its killing me.