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No. of Recommendations: 3
Okay, I'm taking a big breath and just putting it out there mystudentloanshavebeeninrepaymentsincedecemberandihaven'tmadeapayment! I can say it slower my student loans have been in repayment since december and i haven't made a payment.

The question is how do I now deal with this, I don't have the money to give them every month and I am afraid, plain and simple that I have ruined it for myself and now I can't get any deferments or whatever great deals are going on. My biggest problem is that I also need to go back to school to get a teaching certificate. I can get a job without one (hopefully) but I can only do that for so long, plus I'd make a lot less money. And in order to go back to school, I need more loans.

So what to do, my hubby also hasn't been paying his back (in repayment since January). These are direct loans from the government. We have been paying back perkins loans (to our respective schools) and private loans (Citibank), but we simply can't afford to pay out much more.

So I'm looking for advice, someone who has possibly been though this before, someone to kick me in the seat of my pants and get me going through this rough time. Encouragement that if I pick up the phone, everything will be okay.

Thanks everyone!
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