<prompt> Human: Hey guys. Long story short: I am 240000 in debt for my undergrad. I made some horrible decisions and choices, and am through trying to justify them and convincing myself that its not my fault. I completed a 5-Year Business degree at a university that is known only for their Engineering program. It is, more or less, renowned for being one of the most expensive schools at the worst value. I paid book price for it. I graduated 2 years ago and bounced around jobs ever since. I landed in a government agency with little-to-no upward mobility. I am still seeking a higher paying job with the fleeting hope that some day I may be able to pay this thing off. 90 of this debt is privately held, and co-signed by my parents. All of my deferment has expired, and none are eligible for income based repayment. I have made only a couple good faith payments at the request of my mother. It is all in default, and I ignore 15 collection calls per day. IId rather this not become a conversation about my horrible choices to accrue this debt, but a discussion to perhaps resolve the situation. I have posted this several times in other subreddits seeking the latter, but only got the former.  <response>: I know this would only make a slight dent, but any chance you could live with your parents for... 25 years? 