I have 3 monthly loan paymentsAmalthea said:FAFSA/Financial Aid Student Loans have an income based repayment plan. I switched over to that on the phone and my minimum payments have been $7 a month for years ;D They also have a forbearance you can ask to defer payments for a temporary amount of time, at least last I checked.
If you took out private loans, it might be a different story.
As for your other question, there isn't a way to immigrate to Canada except through marriage or common law, unless you qualify for Conjugal which is only for people who cannot get married or live together as common law due to external reasons (same gender, visitor visas denied, government interference - not just choosing not to get married or be together).
You can go up to Canada as a visitor, you are granted 6 months when you cross over if they don't stamp your passport, but you need to show strong ties to the US and only say you are "visiting". You can apply for an extension, these are regularly granted if you have an application in process or if you are going to apply. You could establish common law this way, but you wouldn't be able to work unless you qualified for Express Entry or a work visa on your own.
Or, as you said, you could get married and then apply, and either wait it out while working in the states or come up to Canada and wait it out on a visitor visa until PR is granted and you can begin looking for work.
You can also work online/remotely, if you have clients in the States!
Thanks for your help...we just want to make sure were not missing out on any options. Sometimes it seems like there are so many options and sometimes it seems like there are none and it's actually impossible lol.