I am a 29 years-old single mom of a 4 year old little boy. I have a degree in Communications which have not yielded any returns since my graduation in 2000. I go to church 3 times per week and cater on the side to try and make ends meet. I am basically living from paycheck to paycheck and don't have enough to pay my student loans. One loan is in deferment and the other in litigation. I pray that I can find a way to pay the loans so I can be free of all the stress and sorrow that is associated with it.