student loan garnishment and 1099 status

I am a real estate agent and I get paid 1099. I already checked with the Real Estate board here in my state and they told me that I would NOT lose my license for not paying my student loan debt. I have $90,000 in credit card debt from a failed investment business I ran with my daughter. Its a priortiy for me to pay this debt off because of it being in both of our names. My student loans are over $75,000 Private and I am considering letting them slide for a year or so while I work on this credit card mess. I have exhausted all the payment programs available to me,, 1/2 interest, forebarence, deferrment etc.

The checking account I use is in my daughters name, we have shared it for years. I have NO savings and get no tax refund because of my 1099 status. My money is immediately gone as soon as I get it, because I pay my housing expenses, and throw every last penny at the debt.

I intend to pay these loans, I just need a few years to square this other debt away. What will happen do you think if I let them go for a year or so? I have read the posts, I know the fees will double, and I know I will be harrassed to the max. I intend to pay, just not this year.