Try filing for bankruptcy:1) Fully private loans--and by fully private, I mean not in any way guaranteed, backed, etc. by government--should be dischargeable in bankruptcy.2) Government-backed, etc. student loans are normally not discharageable; however it is possible--though very rare--to discharge them if you can show "undue hardship." That is essentially that you can barely afford just to live, even at or just above the poverty level, and have no reasonable chance of that improving--especially if you can't eliminate the loans. Less than 1% of people who claim undue hardship will be granted the discharge, but from what you write, it is at a least worthwhile for you to try.