I am 68 years old, retired. Living overseas with no car, no car insurance, etc. Keeping expenses low. I have $170K in consolidated Parent Plus loans. I make my regular student loan payments. When I return to the US next year (health issues) I will be 69, my only debt will be the student loans, with $830 monthly ICR based payment. I do not own a home, car, jewelry, etc. Nothing of monetary value. Based on my research, my only options appear to be continuing with $830/month payments, or default and let the government take the 15% of social security, $270. Are there other viable alternatives?