<prompt> Human: Hi all,Late last year I was unexpectedly let go leading me into a situation of several months where I could not afford my loan payments. My credit score is full of holes and stranded on the bottom of the financial ocean and Ive largely come to acceptance of that. But, I have some capability, finally, to at least improve my situation a little and cut into what I owe. I could use a heap of advice on the best way forward:Financial situation Im currently Im starting over from scratch. Ill have a 930 check coming in every two weeks. Therefore, my account currently has 930 in it. I may be bumped up to somewhere around 30Ka year within the next few months. Which will make that paycheck go up some a month. I cant do math. Loan 1 The one that might be okay: Federal student loan. I owe 6,564.33 total, and am currently past-due 730.19. Not yet defaulted. I imagine the Feds will let me work out some kind of payment plan that will still allow me to eat and pay rent. Loan 2 The one that is definitely not okay: Private loan with Upstart I took out for car repairs I owe 3,639. Three months ago the loan defaulted and was sent to collections. Id like not to have my wages garnished and definitely cant have my car repossessed if only because of the cruel irony. If theres any way to begin paying this off again in a reasonable manner, Id like nothing more.Itd be a big load off my back to stop looking the other way when it comes to these loans, but damn it, Im dreading what addressing these again is going to look like. Please help. Detailed, step-by-step advice would be incredibly appreciated.  <response>: Call both of them and work something out 