After Ashley Carlson puts her two kids to bed, she stays up until 2 a.m. most nights drafting court filings — work she never imagined doing before SoFi sued her to collect $55,000 in defaulted student debt . For the last two years, she's represented herself in a court battle with the private student-loan lender . Best-case scenario: Carlson gets her case dismissed, and her loans are discharged. In the worst case, she'll owe her defaulted balance plus hundreds of dollars in legal fees, with the