Reasonable payment plans based upon income are generally available. However, no payments due to no income is not an option. Something needs to be paid each month at least. You can ask for a hearing to determine how much you must pay but don't expect it to be $20 a month on $25k.
Usually you can work out income based repayment, having an attorney handle this matter is your best bet.
The above answer is for information only; and does NOT constitute legal advice. This answer does not constitute, nor does it create, an attorney-client relationship between KaplunMarx, PLLC, Theodor Kapun and any receiver. The information provided on these pages is general only, and you should not act upon this information without consulting with a qualified attorney.