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I want to wait, but I have loans out…what should I do?

Basically, I went to school for I don’t know what…I can get an associates in Social Services Management (useless, I know.) Or a associates in Management. (more practical)
Truth be told…I want neither of these things for my career. I am 100% sure I want to become a chopper pilot.
However….I feel like it’s the right thing to do to take a break! I work full time at a restaurant and make decent money. I am happy. I have a boyfriend here I plan to marry someday and an awesome family.
I have to go out of state for chopper school. And my first job will be away from here. I am more than willing to do this, but I feel this is not a time.
I have came to a point in my life where it feels like I have a deeper meaning and I am so blessed. I know that changing things up right now is not the thing to do. I feel I should stay here for at least a year and then go to chopper school. I am in no hurry.
HOWEVER! I have these loans to pay back but I cannot afford to live on my own and go back to school. I have to work full time in order to stay here. And I cannot work full time and hold a full time status at school to defer my loans.
What can I DO???? lol I am 25000 in debt with loans…I cannot afford to make my monthly payments along with my rent, power and car payment….My mother is paying my insurance (God bless her) I am not worried as much as I am curious of how I can defer….I have also explored the option of online classes….I just need some input…Thanks

My auto loan is marked as a charge-off even though I have been making payments?

HSBC stopped sending me my bill in nov.2007, I thought it was odd (I have never missed one payment in the 3 years I have has this loan) I called them,and was directed to “national bankruptcy hotline” and tried to register online to pay and it would not let me.So I could not get thru to HSBC. Turns out my co-signer (my father!) filed for chap13 bankruptcy, and my car was dragged into that. So here I am not paying my bill for the next several months, thinking that ok when the bankruptcy is clear, I can start paying my bill again, my father’s lawyer did not even know what was going on. So in feb.2008 I receieve my FIRST notice in the mail from HSBC stating if I make all late payments (total 1500.00) by a certain date, they will not pursue the car, and it would be like I never missed a payment at all. I paid it of course, and have been making my monthly payments since then (even though i still dont receive a bill).

I checked my credit, and i have a negative account with HSBC stating a charge-off on the auto loan 4 months late payment and late payments as of 06/2008!!!!Past due amount:10,200$. I am completely frustrated, I have been making my payments every month now! I even tried to dispute the claims and nothing happened. I talked to national bankruptcy hotline since no one at hsbc will say a word to me, and they said since I made the payments late, it doesnt even matter even if the car is in a bankruptcy. So now i just want to sell my car, and pay if off, just be done with the whole mess. Is there any possible way to get this cleared from my credit? Thanks for any advice!