Someday I will become so morally bankrupt that I will consider it acceptable to set up a webpage soliciting donations to pay off my student loans. I will threaten, I think, to strike little old ladies directly in their crocheted bobble hats, if I am not given money.
Until that time, I will rot in the hell of deferment, watching my interest payments get larger and larger. The choice, it is ugly.
A) Take a second job, thereby killing nights and my mood, to pay off the loan. This would have no effect on insurance issues except to move it further out of my reach.
B) Defer the loans until such a time as I either run out of deferment period and default to either A) or faking my own death. This allows me to keep writing, which might, someday, allow me to pay off my loan, and, possibly, moves me closer to having a full time job, which will also let me pay off my loans - easily.
Though I have to admit, option A is excellent for weight loss. I think I didn't eat dinner for four months when I was working at Plantscapes and Cost Plus. Coincidentally (or not) I weighed in at 240, which is my default "not eating my mother's cooking" weight. I think I hit 245 while I was in England and eating Raeli's (very good) cooking. Option A just ain't so great for being able to speak to other humans, effecting other problems in my life, or allowing me to write.