I have a total balance of $135k in student loans - half in private, half in federal. I make significantly less than $100k a year so this is an extreme financial hardship for me - my monthly payment is $1100. I’ve researched so many different options to get my payment lower - income based, bankrupcy, etc. Nothing is a good fit since the loans are considered separate. What can I do to get from underneath the staggering weight of these loans? Is defaulting on one the only option at this point?