In 2014 I started college with the notion that my mother and her husband would be helping me pay for it (directly out of high school). They divorced and my second term I needed to take out private loans. My mother never saved for my college and was relying on her now ex-husband to pay for it. She co-signed over $90,000 In Sallie Mae loans for me not once taking the time to explain what they were to me. After graduation I used all my forbearances and went into repayment on a payment plan.

Then I went back to school. They did not tell me I would lose my payment plan. I now am $3,000 behind because I could not afford school anymore so payment started back up. They are threatening legal action and I my mother REFUSES to help me with the payments that are over $1,000 a month. I am at a loss and don’t even know if there is anything I can do to work with them…. Any advice appreciated