Like many here, I've been struggling with my loans for a while. I owe about $65000 in 7 different loans. There are two FFEL consolidated, one Perkins, and four stafford loans. All are in default.
My student loans went into default between 2007 and 2010. In 2011 I was suffering wage garnishment at my employer, which put me in such a financial bind that I ended up taking out payday loans to make ends meet. I was only making $1100/month and they were taking $200+ each month.
At the time, I inquired about rehabilitation.