I am a married mother of 3 with $52, 000 in student loans!!  It did not start out that much.  As I am sure some of you know, these companys buy and sell loans all the time.  On this occasion the first loan holder continued to bill us after they sold the loan.  When we tried to get a reduced payment program, the department of education paid both of the holders!!!  Even after trying to fight it for years, no one was able to fix it.  So, long story short, we owe $52,000 and can't pay it!  Would love any help!