Being sued for private student loan debt.?

Welcome to the hell of student loan debt. and sorry to say this, but the banks and Sallie Mae do believe you can squeeze blood out of a turnip. I think there is even a repayment plan now based on income. However, you will be paying for YEARS. YOur $20,000 can easily balloon to over $200,000 in total repayment. Student loans are legalized loan sharking. One thing to check into for at least the public loan, there may be loan forgiveness for working with low-income groups (maybe like doing tax work for the poor during tax season). Good luck.