Although I commend you for thinking of the potential repayment option I highly doubt that the IRS or Social Security would allow such an option, even if you do not have faith that the money will still be there when you are about to retire and collect it. The best thing for you to do is to either apply for a personal loan or refinance a home if possible to pay off the debt as soon as you possibly can.  Agree to a payment plan for an amount that you can afford for the time being until you can figure out a better way to pay down a huge chunk of the debt owed in the near future.  And try to be a bit more optimistic about Social Security.  Good luck to you.