<prompt> Human: Decided to stop hiding from the student loan people that are always calling me, and I am quite literally in shock. I took out loans in 1996 when I was active duty in the USAF. It was for an very expensive aviation degree that I never finished. I also took out loans for my BS degree in Culinary Arts. Ive had some tough hits to endure since then, the worst is a 3 year stint in prison for a felony. I owe 140,000 in loans and my credit score is 540. I graduated with my degree in 2009, but I cant find a decent job. I am working from home making 11 an hour, but the company I work for only allows 26 hours a week. Even though I got out and technically paid my debt to society in 2005, I still get told that failing to pass my background check is keeping me from getting a traditional job. The economy in the deep south is terrible, and I live in a very small town on top of that. The nearest normal sized town is over an hour drive away, which I am prepared to do, but even those areas are not hiring much and being a felon makes it impossible to get past the background check. I dont have money to move, and theres no jobs here. It is a terrible situation. The good thing about working from home is I can be here when the kids get home from school, so no childcare costs. My student loan debt is over 140,000. I am bringing home around 10,000 a year. My car is paid off but it is a 2000 model that is approaching 250,000 miles and needs repairs to be drivable. My wife and I live in a small trailer thats paid off. Her car is paid off but is approaching 300,000 miles. Shes making 30,000 a year but her student loans are larger than mine she has a masters and she has her pay garnished because her loans went into default. My forbearances are about to be exhausted, and even the income-based repayments are too much, we are living paycheck to paycheck. I dont know what to do at this point. I dont see how we are going to be able to payback over 300,000 in loans making a household income of 40,000.We have no idea what to do, and it just seems like we are going to die owing money and never having good credit. Does anyone out there have any ideas on what to do? Thanks  <response>: I make like 40k and my student loans under REPAYE are under 100 per month... with your income yours should be zero, for sure. Look into this again and talk to someone if the automatic calc gives you higher than like 75 per month.Back when my income was 30k I paid 0 on my loans... so yeah, look into it again. 