<prompt> Human: I had my student loans written off last year 64,000 and around 5,000 interest. I had to go in and out of school several times due to my condition. Being a private school Not-For-Profit didnt help matters either.I received my 1099-C form in the mail a few days ago. I entered in the corresponding information into the tax software, and it comes up that I owe around 11,500 Federal and 4,500 state.I made around 13,000 last year.I have virtually no assets. I dont own a car I sold it to pay off previous medical billsinsurance. I now have Medicaid though. Seriously my computer is the most expensive thing I have 500, and maybe a little more worth in clothes... And yes I will be moving in with a family member to get out rent-free :---So how do I go about paying this off?-One of the first stipulations of getting these loans written off is making sure that you dont make any money. I cannot exceed the Federal set income poverty line for a family of 2 for 2015. Approx. 15,000.The only 3 ways I know are: 1. Payment Plan. 2. Garnishment on wages. 3. Bankruptcy. The first two are pretty much the same thing in my situation. I am going to be paying it back no-matter what, and probably as soon as possible. Bankruptcy is something that I dont know a whole lot about, and I am not sure would be good in my situation for such a small amount of debt.Dont get me wrong. I am very grateful for everyone that helped me get my student loans forgiven. Family, friends, doctors, Department of Social Security, and The Dept. of Education. I know this will likely end up being a year or two of hell paying this back to the IRS. This debt is still pocket change compared to the original student loans that I had. I just didnt feel like I made close to 82K last year... ---TL;DR: Total and Permanent Disability Discharge has forgiven my student loan debt, and turned it into personal taxable income. What are the steps to taking care of this when you dont even make that much in a year?--- BIG EDIT: One of the things I forgot to mention is that I had submitted my tax return before I had received the 1099-C form in the mail : . And they have acceptedgiven me the refund I was expecting in the first place, considering I made less than 14,000 last year. I didnt go bat-shit crazy because I lost my refund. I went that way because I went 15K into the red. Thanks for all of your responses and advice for further reading. Really boys and girls I genuinely value each and every one of your submissions. And will be going through all of them tomorrow Saturday I would gold gild everyones response, but I really cant afford it right meow.___I guess I have one more question. Since I got that tax refund when according to the IRS says that I shouldnt, should I just keep the cash in a savings account until they want it back? Of course my taxes will be amended eventually-jb  <response>: I just didnt feel like I made close to 82K last year...Yeah, but you did. Call the IRS and work out a repayment plan. 