My $842 mo check is now $742. When I divorced in 1984, we filed a joint bankrupcy. I had five children, one a newborn. My exhusband di not pay child support. My job was deleted with the close of operations in my area. So I worked part time and drew unemployment. My attorney told me she requested special "hardship circumstances" to dismiss the school loan of approximately $5k. IRS has taken even my current husbands tax refund, stimulus and now a portion of my social security. This should be enough to have paid off the original $5k but the "bal due" shows about $10k and never seems to go down. Our youngest graduates high school this year. She wants to go to College!??? Our home that we built in now due for forclosure auction. It's obvious that we cannot live on $742. per mo. Advise?