Q. Our youngest son just graduated from film school, and while he looks for full-time work, he’s doing some project work in the industry. He has federal student loans but also $94,000 in private loans with a $850 monthly tab. It has a 14-year payback term with no option to extend. He could put it in forbearance for a year with the interest still accumulating. I’m pulling from retirement funds to help now, but we don’t know what to do. Help!