<prompt> Human: I have a 12 year old son with moderate disabilities and a daughter that just turned 18, with severe disabilities. My daughter requires constant supervision. Im married not to the childrens father. My husband works and lives in another state. My student loans for BA degree have been in deference or forbearance since I graduated in 2012. That is no longer an option and my balance has gone up from 35,000 to nearly 50,000. My husband is currently barely supporting 2 households contractor job. Ive considered divorce so that I can qualify for income based repayment on loans and other support for my kids, but he is here on a greencard so that is not an option. Im looking for any other options regarding repaying my loans.  <response>: Why dont you move with your husband? That would make expenses much lower so you can make some minimum payments on your loans. Are you unemployed? Sounds like you were able to go to school, are you using g your degree? 