Nat92, it would be well worth having a look round and find out if there are any charitable/government associations that can help you get some sort of arrangement with your loans because that would be at least be one less stress. I'm UK based so I could only tell you about ones in this country sadly but I know over here they are reasonably effective.
Will the County Office sign post you to anything else that could help like food banks, social services etc ?? It would be worth asking and I wouldn't think of it as taking charity, think of it as doing what you need to do to get yourself strong so you can help your family x
I really hope things improve for you *hug*