If your student loans are from the fed: http://ibrinfo.org/ If they're private, talk to your lender. You defaulting is bad for them too.

Finding a writing group or a LW meetup or other relevant group (linux users? game devs? recent grads looking for Actual Work?) might help with both relationship inexperience (if it stems from a more general lack of social contact) and with writing akrasia (if your LW group takes time to share anti-akrasia goals.)