<prompt> Human: Long story short: I paid an entire 4-years, out-of-state in loans dumb I know, cant take it back now, with my grandfather as the co-signer, due to his impeccable credit. He passed away last fall and I trying to do the right thing contacted Sallie Mae to notify them of this. Within 2 weeks of them getting this information, I received a letter telling me the entire amount was due, in full, immediately. Numerous calls have indicated they are completely unwilling to yeild on this, and they refused to set up any kind of payment plan. They literally suggested my only 2 options being refinancing my house I dont own a house, or borrowing the money from a family member I wouldnt have needed loans if I knew anyone with that much money.I admittedly dont know the exact details of my loans off the top of my head. There are multiple loans, a few federal, most private, with all different interest rates. One had become due BEFORE my grandfathers death, and I had been paying, regularly and on-time. However, after Sallie Mae refused to budge or work with me at all, I told them they wouldnt see ANY money from me until and unless they either were willing to work with me, or took me to court.So 65k in student loans has now become over 70k in loans over less than a year due to interest and I have NO way of paying it back.ANY ideas on how best to manage this situation? As of now my only thought is to wait until they take me to court; which will hopefully be a long time from now, and that when that DOES happen, the judge will be reasonable and rational, and the judge will be willing to mediate a payment plan.Edit: Thank you all for your helpful responses! It does seem there are solutions, which has made me feel infinitely better and lifted an enormous weight off my shoulders. I realize my actions havent been the most mature or responsible, but for those of you who are concerned, I already made a payment to Sallie Mae and will be contacting them, FDCPA, and meeting with my familys financial advisor to discuss payment optionsbankruptcyif a lawyer is necessary. Assistant: I am no expert but I think you should at least continue to make minimum payments on the loans...Human: I have considered that. At least as a gesture of good will in the event it does go to court. That way I can at least prove Im not un-WILLING to pay, Im un-ABLE to pay the amount theyre trying to force me to pay.Assistant: yes, I can confirm that any potential deal will hinge on you continuing to make at least the minimum payments without a single missed payment or interruption. Human: I have every intention of looking into this further and calling SM as soon as possible to discuss the situation and resume payments! Hopefully it doesnt reflect on me TOO badly at this point; its been about 4 months of no payment :  <response>: I agre with the others. Fix this ASAP. Completely skipping the payments looks like you are acting like you think the loans were your Grandpas responsibility, not yours. Making payments shows that you acknowledge responsibility for the loans and that you wish to pay them off eventually.You really should contact a lawyer. He or she may advise to put payments in an escrow service until this is sorted out. 