<prompt> Human: Ill try to be as concise as possible, I dont know where else to go and no one in my family has any clue what to do other than try to pay it all at once, which is impossible for me.Basically, I owe my community college 1000. I can register for the fall semester if I pay them 500 up front and then 50 a month until the remaining 500 out of that 1000 sum is paid off.That would be a breeze for me if I wasnt already paying student loans for my previous university. It didnt work out there, so I left the school. I got into a bit of mental health trouble and had to take a break from schooling entirely and just work.Im paying about 500 a month into student loan payments from both Navient 420 a month and a federal loan thats 80 a month. ALL of my income goes into my loans as Im working minimum wage.It seems that my only real option is to put the loan into forbearance, but Im worried that the debt will start to pile on fast with me not paying it. I dont really know what to do. I feel helpless. I called Navient, and they said as I expected them to that they cant do income based repayment plans on their private loans, nor can I use a long term payment plan on their Smart Option student loans. Any help is greatly appreciated, thank you.  <response>: If you go more than half time, you can defer the loans. If the loans are subsidized, then you wont pay the accruing interest. if they arent, you will have to at some point. 