My name is Neha Lee. My husband graduated from college about 6 yrs ago. We are currently still paying on his loans the total on his loans are probably about 60,000. We currently live with my inlaws and it seems like we wont ever be able to get on our own feet. I have been to two different attorneys thinking he could file for bankrupcy but both of them said the same thing that it is not possible to file for bankrupcy with loans. Please help me help us…Thank you :)
                    Neha Lee

For federal loans, loan cancellation can help a few borrowers, and you ought to double check whether any of these circumstances apply to you: http://www.studentloanborrowerassistance.org/loan-cancellation/

Assuming you are talking about federal loans, Income-Based Repayment could be just what you need.  Payments are capped at an amount based on income and family size.  Lots of great info on IBRinfo.org.

As for what to pay first when your financial circumstances are tough, it makes sense to pay first your rent, mortgage, utility payments, or other high priority debts.  I would consider federal student loans a medium priority debt because the government has so many collection tactics they can pursue (like wage garnishments).  As for private student loans, I don’t see them as that different from other unsecured debt like credit cards or personal loans, and therefore low priority as compared to essential needs and lower priority than federal student loans.

Unfortunately, it is true that student loans are almost never discharged in bankruptcy.