Using our 'In Crisis' Resources

"In Crisis" articles, FAQs and resources were designed for people who owe money on student loans but can't access the financial aid covered in 'In School' or the student loan repayment aid covered in 'In Payment'.
They may have defaulted student loans, bad credit or so much debt they're considering bankruptcy (assuming their student loans will qualify).
This situation might apply to you even if you're paying student loans every month. For example, maybe your student loan got defaulted, so you're paying a collection agency or special government department.
Maybe you're in school, but paying your own way because you can't get student loans. If that's the case  read the In School section too, even if references to student aid and loan programs don't apply to you.
 If you're out of school now, you might be making regular payments to collection agents or government departments who handle defaulted student loans. Or you might have collection agents calling because you don't know how to pay anything now.
You are "In Crisis" because there is no Interest Relief, no Debt Reduction, no Loan Forgiveness, no Repayment in Assistance or any other such help for you. You fell too far behind in your payments and haven't been able to catch up (yet) so you can access these programs. So "In Crisis" content and resources will help you cope with situations not addressed by government or campus websites. 
Even if this is where you are now, it will pass. Really. Go through the In Payment student loan advice for cost-cutting strategies, avoiding problems and a sense of what student loan repayment aid you could get if you can reinstate defaulted loans and become eligible again.
Saving money is critical for you, and you'll save money using the strategies in In Crisis articles, especially when you use them with In Crisis Calculators. You’ll also find money-saving ideas in the In School advice section.
Student Finance 101 has lots of other stuff for you throughout this website, even some smiles in Money Theatre.
Find student loan legislation, student tax rules  and other practical information in the Research Library.
Finally, the practical resources in Who to Contact for Help cover everything from bankruptcy and low-cost housing to handling collection agents.