I’ve just stopped paying on my Earnest refinanced loan that’s about 70k. I paid off 30% but had to give up my career to care for my disabled child (epilepsy, visual impairment, cognitive impairment etc).

I don’t own anything and have no co-signers. I live in Texas and I am married (common law so no license or shared assets) but of course will divorce if needed.

I can’t imagine the benefit of them suing me. I can give them my kids unused meds lol but that’s all I got.

And no, my husband can’t foot the 850 a month payment. He has to pay the medical bills. EMS and ER bills are a lot on their own plus the other medical expenses.

I’m a bit stressed but it kind of is what it is. Not much I can do!