I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.