Call 211 or go to 211.org - they can set you up with a free credit counselor. Good luck!

@sweetcharlotte - I have no student loans. I had one after I graduated from art school, but the loan company canceled it 26 years ago after I had a massive stroke, at age 26, 3 years after I graduated from college. I was originally told I would have to apply for a deferment every 6 months, but they canceled it after my first application. Bless their hearts. I do not own a house. I pay a modest rent to my family, that I will continue to pay. I own a used 2009 Toyota Corolla I bought for around $10,000 a few years ago, but I doubt if I could get more than $3,000 for it now, and I cannot do without it anyway. And I own nothing else of value, except my computer porn. (Well, I am a lonely old man) ;-P .
Thanks for your advice. I will look into your suggestion, but first I will look into the possibility of just stop paying it. The brochure called “Bankruptcy: What You Need to Know in Maryland” from “Maryland Legal Aid” says:
•If your income is protected from
creditors (such as Social Security,
SSI, other public benefits, and most
pensions), and the value of all of
your property is $12,000 or less, then
creditors cannot collect from you.
Even if you don’t file bankruptcy, your
creditors can’t legally take anything
from you.

It mentions SSI, but it does not mention SSDI. Besides finding out from a lawyer if this is true, I definitely need to find out if they can garnish my SSDI checks. I cannot survive without that money. One problem I anticipate is most lawyers will tell me I cannot just stop paying, because of course they will want to make $1,000 from me.
I have a cousin-in-law who is a retired lawyer, but he’s a dick, so I do not want to talk to him about it.