When I first started school i couldn't get any money at all. My parents do not have any credit and I had to rely on my step mother to be a co-signer. I realized how easy it was to get a student loan and i took advantage on it. Take a little extra out for myself to help pay rent to I had extra money laying around. Now it is time to repay it all back and I am flat broke! I requested for deferment and was denied. I do not know what to do in these hardships. Please help and give advice on what to do!