<human>: Mine went into default and I've been told they are one of the worst lenders to deal with. I just found out they are private loans - I thought they were federal. When I applied for that loan, my impression was that it's some kind of tuition assistance/loan provided by the state of NJ. =(

I have around 15K debt and will have no income in August 2014 ( will try my hardest to get baby-sitting jobs or anything I can fit in my class schedule. I will be  a full-time nursing student with expected graduation date of May 2017 (the program is ladderized. One has to be CNA first, then LVN, then  RN, then BSN. The program is cheap though, I will never put myself further in debt).

Oh, and the defaulted debt is being handled by a lawyer named Craig? and so far my tax refunds were offset two years in a row ($1700~). Should I contact him now or when I am back in school fulltime?

Can you provide a brief rundown of the text in within 3 sentences?
<bot>: SO, 15K DEFAULTED NJCLASS DEBT; BACK IN SCHOOL FULL-TIME; NO EXPECTED INCOME UNTIL DECEMBER 2014-JANUARY 2015. WHAT TO DO?