Student loans can be a giant pain in the tush, and they are not shy about that. I know Sallie Mae is known for calling over seven times a day- to myself and my friends- when a payment cannot be made or even if there is a partial payment made. They have been incredibly unwilling to work with me in lowering my monthly payments, but I am unable to make the payments due to other bills and needs. Since Obama is now forcing all Americans to have health insurance (that's another issue) I am now being forced to pay $300 monthly for my health insurance plan. What are your thoughts?