You can also call 911 or visit your local hospital's emergency room if you believe you are a danger to yourself. Another good source is the NAMI HelpLine, an information and referral service which can be reached by calling 1 (800) 950-NAMI (6264), Monday through Friday, 10 a.m.- 6 p.m., EST or by email at email@example.com
As for your loans,
For federal loans, look into into an income-driven repayment option. For example, monthly payments under Income-Based Repayment are limited to 15% of “discretionary income” and monthly payments can be set at zero when income is especially low.
Private student loans have different repayment rules, and you can read more about options for dealing with those here: http://www.studentloanborrowerassistance.org/understand-loans/private-student-loans/