i have been living in south africa for four years and live well below the poverty line, i am moving back to the states in march. is there any way that they will take off the interest for the years i was below the poverty line? i made on average in these four years $600 per month. my original loan was $9000 and is now well over $20,000. i'm not trying to get out of my loan, i am desperately searching for a solution to being able to pay it off. the collection agency has been incredibly rude and at times abusive.