<prompt> Human: My student loans are in default, was contacted by a credit company today and offered the student loan rehabilitation program. I cant afford ay of the payment options they offered. Do I have any other options?Its my fault for letting it get this bad but over the last few years my expenses have risen but my salary has not kept up...This credit company felt really slimy... like they didnt want to give me time to talk to anyone else.Any advice would be greatly appreciated  <response>: A lot more info about your financial situation is needed, but youre going to have to sell that house and increase your income via a raise, new job, or second job. 