<prompt> Human: Mods delet if needed. I dont have a question because I dont even know where to start. My gross for 2015 was about 45k and I got this in the mail today to remind me of my poor choices in life. Kids, be smarter about taking out student loans than I was.PS I have been making payments for 4 years now.  <response>: Start by reading total money makeover and take it from there. I know its not easy but you have to fight back. Good luck 