I have $ 23 000 in student loans from the government. They hasseling me, made me want to pay $ 400 per month!?

I can not afford this, however, has offered $ 100 a month and they "refused to consider that" – is this legal? Are they required to take what I can offer them for payment?

When you send that 100 a month, they're not going to send it back to you, I promise! lol sending 100 per month (Or whatever you can afford) is better than nothing. Even telling him that the phone is not quite perfectly legal when your payments are supposed to be 400. The consequences of not making full payment will still be there though. If you do not make your full payment for the car you have sanctions and possibly repossession. If you do not make your house payment, there will be sanctions and possibly repossession. Since the government can not use your brain or your training, they created a little thing called DEFAULT. After a period of non-payments (or not enough to follow your payment plan), your loan will enter into default. Once in default, the lender is allowed to hike your interest rate, tack on all sorts of fees, and you will not receive your return and your salary will be garnished. Call the lender and see if you can change the payment plan. Sometimes they are a "geared to income" plan. Your payments are based not on how much you owe, but how you win. If the month is 400 has already they determined the amount you can afford based on your income, you need to make some adjustments in your lifestyle to be able to pay 400 per month. With student loans you are not joking. It is student loans, housing and groceries, utilities, and other needs not as mobile phone, cable, car, etc. Good luck.