I went to XXXX and I have a small federal loan that I can manage each month ( {$65.00} ) I also was duped into private loans and when I called XXXX XXXX they said " we have options do not stress go to school. '' I moved out of state had a hard time with jobs and filed chapter XXXX. My attorney was an idiot and kept dragging his feet and because of this I defaulted and he would n't file other paperwork for me. Someone please tell me how I will pay off XXXX on XXXX a year. This is n't a joke nor did this need to happen. Some people really need help and need this removed in bankruptcy.