<prompt> Human: I feel like I am at a cliffs edge with my debt. Im 27 with no savings, no permanent residence, and no benefits or insurance of any kind. I live in a very small town in upstate NY with extremely limited work available. Due to a severe back injury 2 years into college, I had a 3-year delay and was graduated at 25. What I do have is a degree in Math and Econ, a 22 year old car, and some clothes. My credit score is low 700s. My only debt is student loans, all cosigned by my mother who is retired and limited income, and they are as follows:---SallieMae - 46,573.55 8.975Discover - 31,981.15 10.125Nelnet --- 30,852.49 3.86-6.00Firstmark- 19,287.93 3.75---Total - 128,695.12---I have seasonal work 10 mo and made just under 20,000. I have had this job for 9 years with nearly all income going to school and medical. My minimum loan payments are 1500 and I have payed near 15,000 this year; reducing my total balance by around 5000. I have used all of my forbearance time 1yr for the SallieMae and none for Firstmark. My Discover and Nelnet loans are currently in the last of their forbearance time 2months remaining. I have made every payment outside of forbearance on-time except this month 112 I was only able to afford 200 of the 660 due to SallieMae. I have no income or savings to afford the SallieMae payment next month.I am currently looking for better paying work outside of my area and will likely need to live out of my car for a few months to support that. In the meantime I am wondering if there are any options I can consider? What would happen, to me and my mother, if I just stopped paying and tried to establish myself? Is bankruptcy ever accepted for student loans? Any other advice andor recommended readings would be appreciated.  <response>: Unfortunately, forbearance just kicked the can down the road and may have made the situation worse. Compound interest is a b. As others have mentioned, bankruptcy most likely wont save you from student loans. Since you cannot afford to pay, the only option is to talk to your loan providers and explain your situation. If they dont budge, then you have no choice but to worry about food and necessities.Your credit will be ruined, your moms credit will be ruined, you just have to accept that. Keep looking for a job, dont pay the creditors because youre at a point where its either have money for foodbasics or put a bandage over on a hemorrhaging wound that will burst anyways.Youre in too deep, time to accept reality and the pain that comes along with it. 