I have a very large amount of current, unconsolidated student loan debt that I do not know how to effectively handle. Only a third was taken out for education purposes, the remainder were due to severe, severe medical expenses due to a physical disability that I have, and the misuse of funds by one of my parents who I dearly love and am very concerned about. I do not know who to turn to to help me negotiate payment options, other alternatives and/or provide guidance.