I live in PA, I am married, my husband and I just bought our first home last year, we just bought 2 cars that has both our names on the title and we still owe 4 years on the loan. I don't have a bank account-I use my husbands. I owe 192,000 in student loans. I pay 65 to AES each month and 240 for federal loans serviced by Sallie mae. My private loans are at $1,500 a month which I can't afford so I stopped paying. Pa law does not allow wage garnishment and our deed to the house states that we own the house as tenants in the entirety. It is a 30 year mortgage. What legally can happen to me? Will I be sued and how will Sallie Mae try to get money from me? Should I try bankruptcy or just do nothing. Of course I want to pay it but I don't think "good faith payments" exist anymore and won't help me any? Sallie Mae so far has been unwilling to work with me on a payment that I can afford.