your ESTATE inherits the loans. So basically, you will have nothing left to inherit to them when you pass. They DO NOT have to pay off your loans. I know at least that much. I was wondering why your payment was less than mine. Wow, I am jealous. No such program was available for us. $150k is tough. Really tough. What is your master's in? Can she apply for disability? Without knowing the area, the reality seems to be a new normal. That is more of a relationship issue, I think...people fall into this trap ALL the time. ALL the time. They're used to a lifestyle but then something happens and you can't sustain it anymore. I can't help much with this part but she needs a wake up call. Again, I urge a post over in the subreddit I mentioned. They are helpful. You might not think it will make a difference but to me it can't hurt, either. Exactly, but that's not who I was referring to. I'm talking about the people who will never be able to match their wages with the local costs. (Sorry I'm not talking about the Switch, I just really wanted to help Jon). Edit: The un-bolded games are the ones I am looking forward to. lol. Other include Detroit Become Human, KH3, and the FFXII remaster. But I also have a Nintendo husband that will take the Nintendo side of the demand in our household.