You will find there are online companies usually referred as Debt Consolidation Agencies, that will undertake negotiation with your creditors and agree to new repayment schedules with a considerable reduction on the interest rate charged and sometimes even a cut on the debt's principal. (badcreditloanservices.com)
You may consider a deferment, forbearance or a new repayment schedule. (lendedu.com)
You may be able to negotiate a new repayment schedule with them, or perhaps get a loan reinstatement or forbearance. (badcreditloans.com)