I took out some private loans for college and racked up quite the debt - about 100k. I had a really hard time finding a job after graduation and was only making 29k a year for several years. I struggled paying those loans about 1100 dollars a month and I was only bringing in about 1300 bi-Weekly. On top of some other debts and payments I didn't have much for myself. Fast forward a couple years and I got a better job but have more payments that I can really handle at this point. The job pays better than the previous one.. but now I am now having a reduction in payment now. So I'm basically back to square one for a few months until the end of the year. I'm afraid to talk to the lenders about my situation bc I know that they really don't care about my financial hardships and just want their money. They're now emailing me and threatening to default on my loans with a laundry list of actions they could take. Should I default on the loans ? What should I do ?.[m sort of in a panic and very very stressed out