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Sorry i was so rough but you CAN afford to pay the gov't. You are both college graduates. One of you can take on a second job. It isn't pretty to work seven days a week but I'm doing it. Also, have you looked at your budget - where is the income outflowing? Is it bleeding somewhere, can you change your spending? Can you sell stuff on e-bay? Can you deliver papers early in the morning, go once a month to participate in a medical study, moonlight etc...There is hope, you just gotta take the first steps and contact the lender.

Best Wishes,
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