<prompt> Human: Im 25 years old and make just over 40k, but have some extreme student loan debt. 80k of my debt is private and 70k is federal. My current monthly payment is 830 for my private, and I have my federal on income based and its at 0, but I pay what I can. I feel like the interest is burying me further and further every day and I dont know how to even begin to tackle this. Ive considered refinancing, as my loans are variable and are at extremely high rates currently. I tried to get rates from SoFi, but my loan was denied. I have a pretty good credit score over 750 and was hoping I wouldnt need a co-signer, but looks like my debt to income ratio is too high. Do I have any other options?  <response>: So you have your masters? Are you working in the public schools? A pension is like gold. 