After 11 years of paying back a $98,000 loan and still owing $92,000, I’ve decided to default. I set up a google phone number, set up a separate email acct, and am setting up a PO Box. I am nervous and although my partner and I don’t combine finances, she is nervous as well. The loan is through FirstMark Services and I have no co-signer. I make more money now then I ever have but it’s only about 65K. I live in Texas so the SOL is 4 years.I haven’t been able to keep up with bills and now with inflation, it’s just unimaginable. I’ve refinanced my student loan a few times so that I could stay on top. But I have a family now and I just can’t keep up. I don’t plan on buying a house in the next 3-5 years but will continue to try to work on my credit by paying down my tens of thousands in credit card debt and personal loans. I’m beating myself up that I’m in this position but I know I’m not alone. How could it get worse?? Just wanted to say thank you to this group. Finding you all was a life changer. I’m scared but also relieved. I’m sure as things come up I’ll continue to have questions. Here we go .