<prompt> Human: I am 24 and just recently lost my father. This is by far the worst time in my life and on top of grieving I have to worry about money. I really shouldnt be at work yet, but I need to go back since I know my remaining family mom and younger brother need my help financially.My dad was the main breadwinner in our household, bringing in 70k. My mom works part time but still brings in 50k. I work full time and bring in 35k. My younger brother is chronically ill and cannot work. My father had very little life insurance 20k. He has a pension and retirement as he worked the same job for 35 years, but my mom wont be able to collect any of that for at least 6 more years. Our combined bills and mortgage is about 2900, not including food and gas.The main issue for me personally, is my student loan debt. There are 3 federal loans, a large one in my moms name, a smaller one in my dads name and the smallest in my name. My dads loan will be discharged, so that frees up 260month Ive been paying. My loan is about 130month. The loan in my moms name is the biggest, at about 590month. Ive been paying all these loans diligently since 2015. Weve gotten my moms loan put on a 3 month deferment. We obviously need a longer deferment, like one year until we can figure something out. Weve already done all the options to get the payment as low as possible. The total loan is 80,000 Basically right now I have to choose between paying this loan, or losing our house. Not paying that 590 a month is the only way we have a chance of keeping our house. I dont know what to do, or how to handle any of this stuff. Im overwhelmed.tl;dr I have a huge student loan in my moms name and have to choose between paying that, or our mortgage.Thanks for any advice, and feel free to PM me to ask for more details.Edit Thank you everyone for your advice, youve given me some good things to research! Of course my first plan of action is drawing up a budget and looking into getting my brother healthy andor some type of benefits.  <response>: I know youre going through a really tough time right now, but are you actually sure you guys cant afford everything? If your brother cant work, talk to his doctor about applying for ssdi - he should be eligible. Its not a quick process, but it pays retroactively. He might get denied the,first time,he applies, but thats pretty standard. Apply again. Between you and your mom alone, though, it sounds like you should be able to afford everything. 2900 pays for everything except gas and food? How much are you spending on gas and food that youre still coming up short? Is there other debt you didnt mention? Or, as I suspect might be true, is it just a lot of change and upheaval and you feel like it might all go to crap? You might feel better if you hash out the numbers with your mom and brother - really see where you guys are financially. I think it might not be as bad as you fear. But list everything out - every single expense - and work out a budget. Then youll know exactly whats going on instead of worrying about worst case scenarios. 