I have $200,000 in debt. $100,000 of it is in private student loans (these were unsecured, credit-based loans that required a co-borrower), $30,000 in credit card debt from 6 companies total, $56,000 in federal student loans, and another $18,000 in private loans through Wells Fargo, Sallie Mae, and Iowa Student Liquidity that I am the sole signer on. My net income each year is only $28,000 ($41,000 gross before deductions). What are my options other than bankruptcy (I cannot allow the loans to fall back on my co-signer because she makes half of what I do a year).