is there a direct loan that's based adi instead of gross????

Is there a form of dl that is based upon your adjusted gross income instead of gross net? I work in public sector and make ok money but after pension, taxes ect I bring home less than factory workers..Somewhere about $600 -1000 per month..Depending on overtime...However, when I consolidated w/dl program, my loan payments went up!!! They have me on IBR now which the payment, is literally taking food from my childrens mouths!! For the last 3 months, I brought home the 600 per month, no overtime..This completely sucks..My spouse make a decent salary of 35,000 year in the public sector also. After his pensions, taxes, ect doesn't bring home that great of money either...Our family income is definately under 2500 for the last three months...With a family of 5 that sucks..Thank you goverment for paying us all in the government job sector nothing!!! It's amazing, I went to college, got a degree, got a highly respectable job only to make less than I did in college!!!!! Cancellation is not an options for I do not work full time in public section...But they consider his income and he works fulltime..imagine that they consider his $ but not his service..total double standard...Any suggestions before we can't afford to feed our kids??????????????????