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Having government backed student loans means more payment alternatives, like income based repayment plans (IBR). While there is a garnishment, settlement is less likely.

This is because Navient will continue to get paid as long as the your at the job.

If you are dealing with Navient, or any private student loan servicer (or debt collector), take the time to play the video.

You can get feedback from Andrew in the comments below.

The DVCC has two residences that provide temporary shelter for victims of domestic violence and their children.

Read more DVCC's Housing Advocacy Project provides supportive services to victims of domestic violence in finding and retaining affordable housing.Whether for a few days or a few weeks, DVCC residences offer a safe haven…Read more DVCC’s professional staff of counselors provides crisis intervention, safety planning and individual and group counseling in both English and Spanish to anyone who may be experiencing domestic abuse.I realize that may not be helpful right now, unless you were able to identify a source of cash that would allow you to settle the student loan shortly after the job loss. Recent reports show that over 10% of government backed student loans are in some form of delinquency. With the spreading awareness of the student loan bubble popping I do expect more options on private loans in coming years.But I am pointing this out to show that even saving up money over time to settle the student loan is better than no options. But there are just no great options for dealing with unmanageable private student loan debts through Navient, NCSLT, Great Lakes, and other private student loan collectors right now. Update: I recently interviewed Andrew Weber for Debtbytes.

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