I received a government student loan (which didn't start charging interest until a year out of school at a pretty good rate that rides with prime). 

Here is the page:https://www.tsp.gov/planparticipation/loans/loanBasics.shtmlYes, you do have to be employed by the federal government

As @Steve Vaughan has said,Any government program will be by the book: 1003 app, Personal Guarantee, DTI, etc.Learn about 203(b)http://search.usa.gov/search?

The Federal Government’s $128 Trillion Stockpile: The Answer to Our Debt Problems?

I work for the government, so it is a little different than for the guys who work for private businesses.

I'm about to retire from the federal government, at the end of this year, New Year's Eve as a matter of fact! 

Community owners don't want to loose good homes, so once they understand the government screwed them, they will likely work with the tax buyer.From the perspective of the community owner: We have someone at every tax sale to buy the homes (in Illinois, you don't buy the taxes, you buy the home.) in our communities, or if we do not want them to let someone else buy them that we get contact information on so we can talk to them about getting the home out of the community ASAP. 

If/when we split and if/when there is a dispute as to the properties, I fully intend to let this document be the one that governs a judge's decision should we find ourselves in that position and my boyfriend says the same thing.  

Total amount due is $ 14,500 but as HOA Governing doc… states that we have to pay half and bank will have to pay half.I wanted to know if there are any options for us to work this out with Bank or Home association?

Not in the spirit of federal loan (government subsidized) loans, the SAFE Act, potentially fraud statutes, may be against 'public policy' interests, etc.