I have about $60k in student loans. I only worked a few years after graduation and am now staying home with my 3 kids. I don't see how I can go back to work anytime soon as all my kids are 2 and under and won't be in school anytime soon. We can't afford to pay on my loans with my husband's salary.

They have been on deferment for soooo long.

So what happens if I don't pay them? I know my interest keeps going up and up and up.

I'm not looking for advice telling me to go to work. It is not an option for us at this time.

Thanks

You can postpone until you get a job again or pay just a small amount each month. Do they call you about the loan? You can file for bankruptcy but this should be your very last resort.