<prompt> Human: First post so please be gentle.My cosigner for my student loans recently passed away and the bank private loans have defaulted me as a result and now wants the entire loan upfront. Obviously theres no way I can pay upwards 50k so I dont know what to do. I dont have any other family to help me on this, Ive tried calling some places to consolidate but they basically told me that even in my unique situation they cant make exceptions to students that have defaulted. I really dont know what my options are. Help?  <response>: Some helpful info to read. You may want to make a complaint. 