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I have applied for the income based payments, but I also have 2 other loans that were deemed "personal loans" which makes up the other half of all my loans.
I'm at over $100,000 USD in debt. If I don't pay it, they're going to come after my family members who cosigned, and they can't afford to pay it either, so we're all fucked if I don't make payments.
BTW I was late on 1 payment and they slapped me with an additional $70 on my regular payment of $25. This is why I've thought about ending it. It won't be my problem anymore and I won't have to consider the consequences.
I'll just be gone forever. But I also don't want to do that to my family if I can help it.