Can anyone tell me about their experiences with federal student loans? I'm married and filed jointly. I have a significant amount of federal student loan debt along with private loans. Can you tell me how much you make and how much you pay monthly? We collectively make around $76, 000 a year and we have tons of debt and I know the loan agencies don't care about that we also have a 9 month old daughter . Has anyone ever had any luck with calling FedLoan servicing saying they can't afford the payment? tell me your stories please