That debt is horrible! The ones I'm talking about paid virtually nothing. Two were teachers and had insurance most of us only dream of. Another was a federal employee, you can imagine his insurance. I was very lucky to have an outstanding therapist my last round who not only helped with the arthritis in my back but also my hip and, in his spare time, called my doctor and chewed her out for giving me statins that were causing horrible muscle cramps. If I stay on top of doing my exercises he showed me, I'm not pain free but getting there.