Retirement tax questions

I'm not completely insolvent at this time however my condition will only get worse and there is no treatment options available to me at this time. I am only able to work approximately 20hrs per week at this time. and if I am able to keep working that many hours I will. But I guess you could say I am insolvent when it comes to a debt like my student loans. If I were to make those payments I wouldn't be left with enough money to eat. Thank you.