Student loans, especially multiple student loans, are like the death to a young adults credit rating. When I was attending college, I attended an extremely expensive school. This resulting in multiple federal loans, and multiple private loans being taken out for my education. Now that I am trying to set up repayment plans for the loans, they all want to do income contigent payments. Which could be great, if I had one or two student loans. Unforuatnely I have 11 out still. I am trying to make the loan companies understand, that I am doing my best to make monthly payments. However my monthly payments cannot be as high as they want them to be. Each loan wants around $135/month, on 11 loans, well my monthly income does not equal the amount I would need to pay. Plus I have two children to support. I understand I took these loans out, and at the the time I did not realize what I was doing to myself. If I would have realized I had to pay on all 11 loans at the same time, I may have rethought my schooling. Does anyone have any suggestions that may help me in this sticky situation. I currently have to alternate which loans I pay each month. Or I send a small payment to each loan. Neither method seems to make them happy. I have already considered bankruptcy, but that would not help with with the federal or private loans. Plus the number of loan i have out, has lowered my credit score to the point where loan consolidation is not an option for me.