oh no adam. I wish there was something I could say, something I could do. That is unbelievable. I hope your wife does go back to work. She can flip burgers or work at wal mart if she must. I am glad she said she'd work, I hope she makes good on that.

I am not a fan of bankruptcy. Can you bankrupt student loans? I know it would ruin your credit for 5 -8 years. But a $460 loan might just ruin you if you don't do something.