Trying to get rid of some of my student loan debt, which isn't even mine; it's my kids'. I have numerous loans under my name and I only make so much money, plus I need to support my own bills. They said I would have lower payments, and I need to pay their fee too. That's only for two loans; the other 3 I have to pay on top of it. I can't afford this. I haven't gotten a raise in 7 years. I am a union member and I don't see a raise coming any sooner. What do I do?
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