<prompt> Human: Heres the situation. My fiancee finished school with a BA in psychology and criminal justice in May, and has a combined 100k in debt, 20k in federal loans, and 80k in private loans with Discover. To my knowledge there are 3 Discover loans, one with an 11 interest rate. These loans are all co-signed by fiancees aging maternal grandmother.I have a High School diploma, no debt, and 7 years of experience with designlayout work, and office work. I lost my part time job of many years just after fiancee graduated, due to budget cutbacks by the non-profit I had been working for.We have spent the entire summer since she graduated living on the generosity of friends, and looking for work. I have had multiple interviews but am still currently unemployed and looking for work, any kind of work, at this point.Fiancee has just managed to get a part time job with a security firm, and will be starting soon. The pay is 11hr and we do not yet know how many hours she will be given, though the company has said that its supposedly easy to move from part time to full time. This is the good news. The bad news is that now the generosity of friends has run out, and Fiancees part time job is what we will be living on. There is no option for either of us to live with our parents. We will have to get an apartment as soon as Fiancees paychecks start coming in. I have scraped by living frugally on my own for all of my adult life with a 800month budget, so thats not the problem. The problem is I have no idea how to do this with the addition of student loans, because I have no idea how student loans work. For the federal, I know those can be deferred, and repaid based on income, so I am not worried about them.What I worry about is the 80k of private student loans, which go into repayment in December. Here are my questions.I have heard that these can not be discharged even with bankruptcy. Is this completely true?If private student loans are refinanced, can they be discharged through bankruptcy?Can loans be refinanced so that fiancees grandmother is no longer responsible for the debt? Is there any way to remove a cosigner from a loan?Is Discover likely to work with us so that we can make payments on the loan that we can afford, and not go into default, or is there a hard amount that we will absolutely have to pay no matter what?What really happens if we go into default on private student loans because we legitimately are unable to pay them?My fiancee has already called Discover to discuss- however they will not talk about repayment options until her grace period is over, which is next week, apparently. In the meantime, I am trying to figure out all I can.How fucked are we if situation stays the same?  <response>: If you dont pay your loans, youll be delinquent, but Grandma is the one wholl truly be fucked. It sounds like the two of you have almost nothing to lose besides your credit. Grandma may have assets. 