About 5 years ago I had an unexpected pregnancy and everything went down hill, I didn't have a ton of debt....maybe $3,000 which I was handling fine. I found out I was pregnant and was fired from a cocktail waitress job where I made good money for getting preg. I began having some pretty serious medical issues concerning my kidney and was put on bed rest, my debt went into default and I became very depressed. I also had to drop out of school so my st loan came due at the same time and my pell grant was taken away so I all of the sudden owed $1650 to my college as well.