I live in Kentucky. I was an idiot and took out an internet pdl in June of 08 and i am still paying on it. It has gotten too hard to pay on it now, and i have estimated that i have paid 2915.45 in fees and principle since i started it. when i originally took it out, it was for 200.00, i have "refinanced" it over the past year, so that I know owe 1000.00 in principle. any suggestions on how i can get myself out of this mess!