I can cash out my IRA, my 401k, or change my status to married filing separate. No longer working full time due to pregnancy and cost of childcare, husband's income is roughly $80k so not eligible for any government assistance if that matters. There is just nothing left to pay this loan once all the other bills are paid even when looking at income driven repayment plans based on his income. My income for 2017 was $14k and will be less going forward the next 6 years. I unfortunately didn't understand the consequences of borrowing money as a young student.
