These are a drag, don’t know about you but we have a very large amount between the two of us, mid six figures. Finding a workable system is crucial if you have large amounts of school loans. Make peace with it now you can never default, declare bankruptcy or any other creative idea you can come up with to get rid of these monsters. Better idea is to come up with a plan. Look around and see what you can consolidate for a lower rate. Different states have different requirement and some companies only do business in certain states.