Paying for School

I don't know what to do.

I thought I was paying my student loans; the payment is just about killing me - it's taking almost half of what I make every month - but I've been paying it.

Then I get a call from someone about another loan that apparently got left out when I made the other payment arrangements. And now these people are making the same threats that I thought I'd finally put behind me. They're calling me at night, calling me at work, threatening to take my paycheck (which isn't even worth the effort they made to locate and contact me), and even though I only found out about this a few days ago, they're giving me until 5:00 today to make some kind of payment arrangement before they "resort to other actions."

I thought I was taking care of my loans - I thought I was paying all of them at once - and I can't afford to pay any more than I'm already paying.

My husband isn't home, and I really need to talk to him about this. I'm not good at these decisions; I panic, and I don't understand all the technical-sounding financial lingo that they keep repeating. I don't understand what my options really are, and I don't do well under pressure and threats. I know I've been told how to handle phone calls like this, but I don't remember. Ken would remember, and he wouldn't be panicked and unable to think clearly. I thought he would be home before I was, but he's out with his bosses - who don't live here, so when they're in town, they pretty much kidnap him, and he ends up having meetings and dinners at the most random  hours of the evening. He doesn't know when he's going to be home tonight, and I don't want to bother him with this while he's doing work stuff...but I'm scared, and confused, and I don't know what to do, and I'm afraid to make any decisions or committments without talking to him first. I don't know what to do...

I didn't even finish college! All this nightmare and I don't even have a degree to show for it, and I'm working in a retail job for next to nothing, and most of the time I really hate it. Shouldn't I get some kind of a break? Some sort of discount, for working in a crappy job with kids who are working their way through college, and knowing that I dropped out, and being ashamed when people ask me what I do for a living, or what I've been up to in the years since they saw me last?

Guess not. I hate my job. I hate that I didn't finish school. And I really hate that I'm paying more than I can afford, for things I hate already.