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(((Tara))) $80,000! Getting "several calls a day."
That's what bankruptcy is for. Just let me ask you to consider it. You're a bright person, so you probably have. I did it, and I did it without the help of a lawyer. It was one of the best things I ever did for myself. First I read everything I could on the subject. I was astonished to find out how forgiving the American legal system is to over-indebted citizens. There is this wonderful concept called "total discharge." People often needlessly fear the long-term consequences. Often those are far less of a burden than spending your life servicing debt that you will never get on top of.
I know lawyers cost money. You might be surprised at how much you can do by yourself. The law says that you can stop any creditor from calling you simply by sending then a letter stating that you do not wish to receive any more calls. Pick up an inexpensive soft cover book on bankcruptcy in the finance section of the book store. Even if you don't want to file for that, you may learn that you have more rights than you know about. I sure did. Our founding fathers were all about letting people have a "fresh start." Most self-made millionaires have declared bankruptcy at least two times. Only you can decide what is best for you, but find out all your options. You may be trying to reach a bar that you've set too high.
Those are really big co-pays. Maybe your insurance isn't worth the premiums. You're trying so hard to improve your life by working and studying full-time. I hope you will consider all your options, and first you have to find out what they are. Keep researching though I understand you only have so many hours in a day.
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