Re: student loans
Do you have wiggle room in your budget to scrape up $160 a month? Is t here any where else you can cut back?
If not, I would call and see if you can get an income based repayment plan that fits your budget. If that isn't possible, then you can defer for up to a year. As long as you pay the interest on the loans, then you won't end up paying more into it in the long run.