I’m not gonna lie. I need help with paying student loans. This is really affecting credit. Not to mention we have a child to take care of but the bad thing that someone told me is this debt can be passed onto my child. Years ago, they took me to court. I made an agreement to pay $50 per pay period. Their lawyer agreed. That was a better payment plan but after around 3-6 months it stopped. They fired their lawyer. $50 per pay period was too low. They wanted $800 per pay period. Can’t afford that. We have other bills to pay as well like rent, car note, gas, electricity, water, insurance, etc. We already made cuts and still, I can’t afford to pay this student loan bill. Right now what I’m showing is a small portion of the loan which is 3665.16. I believe the actual loan is up to 85k. No way I can pay that. I don’t even make nowhere near that. We could use some help and any help would be greatly appreciated.