student loans for seniors

I am 65 and almost could buy a little house, I have 23 grandchildren, I work extremely hard and need to retire and find a different job after a decade with the school district. The loan folks took me off of auto pay as they were selling the loans to fanny mae I guess so my payments went late for a couple months. It is policy to deem you unacceptable if you student loan goes arrears. I was told by my loan officer you cannot get a loan if you have been late two times in a year. I planned on paying off my debts as I retired. Now my daughter gets cancer I may not be able to do anything. Im single grandma and have worked hard forever, all I want is a place of my own. I propose our credit score is not exceptional effected by the student loans in bad credit stopping us from doing anything