Hi everyone!  I have a provincial and a federal student loan. After finishing school I had a hard time getting employed. Being young, naive and not understanding the concequences, I defaulted on them both. That was 2 years ago, and since then I have been consistently been making monthly payments of $150 to both. Thats $300 a month. All I can afford, but it is a payment right? Well I am constantly harrassed daily by the collection agencies. They want full payment. Even getting to the point of telling me to borrow from family. Also I am told to get a bank loan. They even call me at work. I have two jobs and I haven't filed my taxes ( I know shame on me) so they don't find out my other jobs phone number. I would say that is the most embarrassing part of all. It makes you feel like a loser and people have comments to make about it. I have no assets, my credit is shot to heck and I have no co-signers. I am so frustrated. I feel as if my hands are tied. I can't handle the harrassment, especially when I am making an honest effort. Slowly but surely I am knocking down my stundent loans. Does anyone have any suggestions on what I can do? I would love to have a bank loan, but I don't know what institution would except me. I have all the proof of my payments to both collection agencies. I owe roughly 2500 to federal and 12,000 to provincial. Help please!!!!! Thanks