You said in your initial post "or my bf would borrow money".

I agree with the others to not take out a loan to pay off medical bills. My uncle and his wife both had surgeries for cancer and neither of them had insurance and they got a loan that they will never be able to pay off. I have several thousand dollars in debt for hospital bills and the hospital agreed to accept $25/month and interest will not accumulate on the bill as it would with a loan.

Is there a food bank near you that you could go once a month to get free food? Also planning a menu helps save food costs.

Here is a PDF of low cost recipes https://8b862ca0073972f0472b704e2c0c...-and-cheap.pdf

You can find other inexpensive menus on the internet and there is at least one thread about this on psychcentral.

edit to add: you might find this site helpful to modify your student loan payment - https://studentaid.ed.gov/sa/repay-l...derstand/plans