Ok, Zooze and Company, here's the dirty list:

--I make about $14,000 per year (we'll call it 14 large to sound cool).
--My house in underwater. Market crashed a few years after we bought. It's also in the city of
Chicago (bang-bang; I thought that we were done with that in the 1920s), so there's that. It was a mistake, but one we could not have prevented.
--Didn't even finish my degree. (Anxiety, ADD, etc.)
--Adjuncting. Student loan payments are more than my salary. Not teaching in summer, unfortunately.
--Student Loan Forgiveness: Adjuncts need not apply. (Yes, I know Dick Durbin is working on something . . . or was, in 2014 . . .)
--Out of forebearances. (Forebearancii?)
--My poor wife!
--My poor kids.
I asked some folks who are in the discipline in which I teach, and they didn't have much to say other than "teach in Saudi Arabia" and "Wait for Durbin."
Suicide is an option; if I die, I think the loans go away. The shame on my wife and children, though, makes this not an option. Not in the slightest. I'm ok.
Look, I've had some bad luck, but I've also made bad decisions. Mostly bad luck, though.
I've tried to get jobs in other fields. Dice: None. I'm 48.
I'm writing a letter of rec tonight for a decent student. I'm not sure why I'm doing this.
What options do I have? Any ideas? I have none.
Prof. Pottah