Girl, you NEED Dave Ramsey. He will change your life, there is hope.
as far as the 10 year working for a nonprofit and them forgiving your loan, thousands of people have applied for that and I believe it is like less than 10% are being excepted. It is literally a scam. Do not rely on that at all! $300,000 is a crazy amount of debt, however once you’re done with NP school you will have a really big shovel to dig your way out of the mess you made. As an NP you should be making around $100,000 a year. If you live frugally, you should be able to pay that off in about 4 years. This means not owning a brand new car, not going out with friends every weekend, not taking vacations that you can’t afford, not buying clothes or nice things, because you don’t have the money to do that. But once that weight is lifted off your shoulders and you’re debt free, it is an amazing feeling. It is so worth it and I know you can do it.