<prompt> Human: Backstory: After high school, about 10 years ago now, I started attending one of those awful, extensive, for-profit colleges. Fuck it Ill just tell you it was DeVry. I used student loans entirely, only a couple of which were cosigned by my parents. Some federal loans, some private through Sallie Mae now Navient. I attended for a few years, but eventually dropped out due to just generally hating being there. A couple years after that I went to a local community college for a couple semesters where I paid upfront. I ended up with only around two years worth of valid credits, never got any degree.The debt amassed at DeVry was astronomical. Like, 100k after interest. A used a series of deferments and forebearances early on to keep it at bay for a while. But right now, much of that debt has been given over to collections agencies. I get letters all the time from them offering deals to close everything out for like half the balance, but thats nothing I can come close to achieving. I make 14hour. There have been intermittent times over the past several years where Ive set up payment plans, but then something would happen forcing me to stop. Right now Im paying around 70month to Navient as part of some program, and its stopped the calls directly from them. But I know collection agencies are still out there with lots of my debt.The main thing stopping me from really tackling this has just been the seeming hopelessness of it. Like I figure even if I live well below my means and start paying hundreds a month, itll take decades to get rid of it. Decades of spending huge portions of my income for basically nothing DeVry is horrible. Plus Ive always been basically depressed and suicidal so I kinda always figured Id be dead by the time I had to deal with it. Ya know?Anyways, my main questions are, first of all, whats the best way to get a good look at what debt I have out there. Because my debts been shipped around so much, I dont really understand where it all is.Second, how do I best consolidate it? I see ads for this kinda thing online all the time, but I never trust them. Itd be really nice to be able to make one monthly payment and know that Its all actually going into bringing it down.And lastly, is there any legal recourse for getting any of this debt removed due to DeVry being a horrible garbage dump of a school?  <response>: This probably wont be well accepted here, but for the private loan have you checked to see if youre outside the statute of limitations? Or checked to see if you can pay a reduced amount to settle the debt with the collection agencies? 