Just don't pay it. It has worked well for me.

My loans quickly got out of control because I was an idiot at the age of 19 when I signed them. My first year at the regional I owed over $200,000.

It started as a $65,000 loan. While instructing for 3 years I couldn't make any payments so they gave me penalties and my interest rates went way up. By the time I finally got to a regional it was out of control and I would owe more a month than what I was making.

I would of picked a different profession if I knew this one payed so little. My credit suffered for years but it has gotten better. Somehow the loans just disappeared and don't even show up on my credit report anymore. I'm sure the tax payer somehow payed for my training because I never did.