The US Department of Education has income-driven repayment plans. You have to specifically apply for them if you haven't yet, please do. It doesn't matter who holds the loans, as long as they are certain types, you go through this site to apply.https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven

There are also economic hardship deferments that you might qualify for if that fails.

If you get a loan to pay off the medical debt, do not under any circumstances use payday loans. Get a real loan from a real bank if you can. Payday loans can charge several hundred percent annually so if you can't pay it off fast, you can fall into a deep pit fast. If penalties are being added to your debt each month a real loan will likely cost less so it could be a good route to get clear of it.

Once a debt goes into collections, assuming a third-party collector, it is difficult to move it back to the original debt owner. If the collector is the hospital collections office many of them have programs where you can pay little or none at all.

MDD with Psychotic Features, Dysthymia, GAD, Cluster C personality traits - Not taking any meds