Hi, this is my first post on this site. I have the same problem with a 80k city private loan. I'm current on payments but I can't keep paying anymore. I'm currently paying 380 a month and that will balloon this fall because thatís only paying the interest. Debt survivor, I would appreciate knowing more about your story and would appreciate any advice from anybody. I've been so scared about what will happen to me if I don't pay (wage garnishment, bank levies etc. My dad cosigned on the loan, so that has been a consideration. But he is now judgment proof so I'm thinking about not paying city anymore so I can rest easy and perhaps pay my other federal student loan instead.