HELP PLEASE!!!!!! I am a 30 year old mother of 3 children, i have no transportation at the moment, I lost my job a year ago, and NYSHE denied me financial aid due too past due student loans my ex husband never paid =( i need to make a career change but need resources to pay off this $5,000 debt :'( owed to sallie mae.....PLLEEAAASSSEEE someone help me, im living in a basement.