I'm sorry you're stuck in this position. Of course it's possible for MLC and brain injury to exist in the same place; I think my ex would have had s MLC anyway, but think his concussions made it worse. Now, 9 years later, I'm just glad I won't have to care for him in his old age.
Are the loans all in your name because YOU were the student, or are they loans for your kids and your H just had bad credit? If the money was used for the benefit of both of you there should be some way to account for that in a divorce settlement.
Could you live on your income if, for instance, you got a paying roommate? How much is your home worth?
