conversation: User (krango867): "I am33 and make about 35 k per year working as a social worker. We have one kid and my wife works part time making about 5 k per year. \nI have been getting forbearances for years because I couldn’t even afford to pay off the interest payments on these loans. I know eventually the government could garnish about 15 percent of my pay, and with this much debt I may never be able to get a mortgage. I know a lot of others are in my situation. It’s an awful feeling.  Any advice would be greatly appreciated. "
  Self: "Might want to consider birth control if you already haven't.\n\nHaving a child at this point would be the final nail in the coffin.\n\nI wouldn't worry about buying a house.  You need to pay off the student loan first.  Your wife needs to apply herself and start working full time.  You might need to get a second job."
  