I have had these student loans haunting me for the longest time. I was never able to graduate from college even though I had only 24 credit hours left to graduate. The college I attended never offered the courses I needed to graduate even though they were required to do so. Anyways, I am now in debt to the federal government to the tone of about $21,000.00. I have a job, but do not make enough to pay back my loans on a regular basis. I have tried to get them paid off, but I have a wife and two kids to support first. Also, it is affecting my credit in a bad way and now do not qualify for any loans on a house. It is the most frustrating thing in the world because I make too much to qualify for assistance, but not enough to where I can payoff my loans. Some things come first in my opinion, and that is my family. I'm sure this is the same old song and dance everyone has, but I assure you that this money will be going towards paying off my student loans so mmy family and I can finally get into a home of our own for the first time without paying rent. Thanks for listening to me moan and groan, but this is my last ditch effort. I don't like to ask for help or assistance, but I figured there might still be a few understanding people with money that might give my family and I a chance at a normal life. Thank you.