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Has your income gone up substantially? The only reason you have that jump is you either got married, or your income has risen.

In either case, it might make the most sense to pay off the loans quickly - maybe even refinance to save interest.

You Federal loan will never go away. It will always be waiting for you to earn something, generate income, and they will garnish it.

A better solution (especially if you never plan to earn again), is to get on an income-based repayment plan. Your monthly payment is set at 10-15% of your discretionary income. That means if your income is low enough (or $0 like you said), your monthly payment would be $0.

This is a great solution for you because you will get out of default, and the repayment plan comes with loan forgiveness after 20 years.

Something to consider.

It's actually a bigger tax issue than student loan issue. You should speak with a tax professional/CPA and understand how your taxes might change.

Then, while sitting together, run the student loan repayment estimator here: https://studentloans.gov/myDirectLoan/repaymentEstimator.action

You can then compare your tax difference to loan payment savings and see what makes sense.

She can totally file for IBR, but you may also consider changing your tax filing status to lower her payments more:
https://thecollegeinvestor.com/17807/the-math-behind-married-filing-separately-for-ibr-or-paye/

Also, realize any amount forgiven under IBR is treated as taxable income, so you could face a "tax bomb" at the end.

You might run some numbers of IBR/Tax Bomb versus refi, and if you're tackling it together, and your income is sizable, maybe you just pay them off?

That's a tough situation, but there isn't anything to really be done. Your daughter could have postponed enrollment to avoid paying until this was resolved. Your accountant should have advised you that it can take months to process and amended return - and the school does have a deadline (and it's usually listed on their financial aid website).

Parent PLUS Loans aren't eligible loans for PSLF - because you can't get a qualifying repayment plan.

You need to consolidate to a direct consolidation loan, then get on ICR - which does qualify for PSLF.

You can consolidate as long as the only loans in the consolidation loan are the PLUS loans.

Where people get into trouble is that they put other loans types in with the PLUS loan, thus limiting future repayment plan options.

It's not your relatives that get a 1099-C, it's your estate. It depends on the loan type as well.

Read this: https://thecollegeinvestor.com/9675/student-loans-die/

First, read this guide on how to pay for college. Student loans are the last thing you want to get: https://thecollegeinvestor.com/21877/pay-for-college/

Second, when it comes to loans, the hierarchy should always be:
Federal Direct Subsidized -> Federal Direct Unsubsidized -> Private loans (only if the ROI of your college degree allows for it).

Borrowing too much to pay for college is the worst financial move you can make.

How to do it?

For Federal loans, you fill out the FAFSA, and you'll get an email from your college's financial aid office telling you that you can "accept these loans". Those are just Federal.

If you still need private loans (which should be rare for undergrad at a local state school), you just go to various banks and lenders and apply. Here's our recommended list: https://thecollegeinvestor.com/22108/best-private-student-loans/

Good luck!

Remember, you never have to pay to consolidate your loans - it's a free service you can do yourself. You can enlist the services of a third party company, but you never have to. If you do choose to work with them or anyone, make sure you read this first: https://thecollegeinvestor.com/16429/is-your-student-loan-repayment-company-a-scam/

Here's our guide to help you: https://thecollegeinvestor.com/16429/is-your-student-loan-repayment-company-a-scam/

Here's what you need to know (it depends on your loan type): https://thecollegeinvestor.com/9675/student-loans-die/

We don't make opinions on third party companies. We recommend that you read this article and make an informed decision before working with a third party company that charges you for assistance, especially given that you can do everything with your Federal loans for free: https://thecollegeinvestor.com/16429/is-your-student-loan-repayment-company-a-scam/

Speaking specifically to the Navient lawsuit, that doesn't involve you or any borrowers. Multiple state attorneys' general and the CFPB are suing Navient over their practices. If/when the case is over, there isn't going to be any forgiveness - just changes to their practices and likely some type of fine. And this will likely take years to resolve.

See my other response. Your options for settling Federal debt are very limited. If you can settle, make sure it also includes removing the default.

1. If you repay the loans in full, we recommend asking for a default removal for payment. Otherwise, it's best to rehab and then pay them off (to get any default off your credit report).

2. Contact the agency

3. Yes, but they'll do it all together.

Rehabilitation removes the default and is our recommended approach to handling default. However, it's a "one time thing", so don't mess it up after, or you're not going to have the option again.

Read this: https://thecollegeinvestor.com/22174/student-loan-default/