<prompt> Human: Im almost beyond words at this point. I feel like I live to work at this point and almost nothing else.I did an online program at Full Sail University, which cost an arm and a leg and FYI: Dont do it online. My professors kept reiterating the quality disparity between students online and students at the university was significant. Its an accelerated program, and I came within less than 6 months of getting my Bachelors in Web Design, but some weird financial stuff came up at the end. They basically stated I needed additional money to cover the remaining balance of the final classes, which for some reason my loans alone didnt cover. As the program progresses, so too does the cost of each monthly class. At the time, I was getting unemployment due to a furlough which turned into a full layoff eventually after coming back for a month or so, which I was able to swing into a student unemployment plan. Basically, if I attended full time at a college, I would be able to keep getting unemployment without having to pursue jobs. However, some changes in state law brought that to a close one year, and I ended up getting a job which promised to cater to my school schedule.As is the case with any big business, they didnt.Between trying to sort out the financial situation at my university and working a job with an unaccommodating schedule, I just decided to stop going. Due to the financial situation, I am unable to get a transcript as well until I am current, which has prevented me from finishing up elsewhere, despite my current job offering a nice student reimbursement package.The job I ended up getting at the time didnt pay well, and as a result, I requested forbearance on my federal loans. What was a relatively low student loan payment on my federal loans has ballooned due to a multitude of reasons. I requested forbearance a couple a lot of times since my job situation was not very secure. As of now -- with another forbearance about to end -- my total monthly payment between my federal and private loans is approx. 520month. The private loan has an interest rate of approx 9. With my tax return earlier this year, 1 of the 3 loans I had through the private lender I paid off in its entirety in an attempt to reduce my monthly payments. It helped, but not significantly.My current job pays me quite nicely if it werent for these student loans. It is commission based, so unfortunately it fluctuates, but I grossed approx 52,000-56,000 last year. Because of the higher taxes that come out of commission, I netted around 35,000-38,000 when all was said and done EDIT: This is factoring in ALL deductions for healthdentalvisionetc.. What makes me feel bad about it is I know there are people with higher debts and lower income than me that have somehow made it work, but I just cannot. If I had gotten this job sooner to avoid the forbearances, or never gone to college, things would definitely be fine. Alas -- hindsight is 2020, so let me just give a breakdown of my monthly expenses:Expenses: Rent: 900month includes all utilities other than cable TV and Internet Student Loan Debt: 520 between federal and personal Car Payment Insurance: 375 Gas: 80-120 depending on the month Food: 300-350 between eating out and groceries Haircut: 20 Music Subscription: 14.99 InternetTVPhone: 130 after taxes Cell Phone: 60 after taxes Credit Card: 75month debt is all on one card now with 0 interest for about another yearTotal: Approx 2565monthHeres a list of the good things right now: Utilizing all of the company match for the 401k which according to the website is no where near enough for retirement, but something is better than nothing. The 401K will fully vest some time in Q3 2019 Car Payment is done in 18 or so months it feels like a positive because Ive had this on a 72 month loan All Credit Card debt is on one interest free card until Q4 2019 approx. 2500 Typically keep my bank account around 1K-2K throughout the month, so theres always a bit for a rainy day fundHeres a list of the bad things right now: Almost no chance of a tax return this year. Ive paid off a lot more in student loans this year, but Ive also taken a significant amount of allowances on my paychecks. If I do get a tax return, Im not banking on it being much. Barely any leftover money to get ahead on any of the debt, or to just enjoy life beyond getting coffee occasionally As the industry I work in evolves, I anticipate my pay to take a pretty substantial pay hit within a year. The gravy train is definitely coming to an end sooner rather than laterIm burnt out with this. I want to enjoy life. I want to have a relationship where I can afford a weekend trip without a problem, instead of having thing fizzle out. The NetflixCoffeeFoodBar cycle is awful, and an influx of money would definitely help from time to time.Really what Im hoping for is if somebody has any idea about my student loans and getting them lowered. 520month is just too damn much. And if my job starts paying less like I predict, its going to be impossible unless I move in with my parents which is not happening. I looked into refinancing with SoFi, but they require that you have a degree. Citizens Bank was just awful, extend my debt 10 more years to save 20month?? No thanksx200B;Any suggestions? Advice? Additional details needed? Please let me know, and thank you for your responses.x200B;EDIT 1: Loans are split 32K in federal interest ranges from 3.5-7, 11K in private interest is at 9x200B;EDIT 2: Thanks everyone for the replies! Theres a good mix of quick changes for savings, and some that require more planning but would result in a lot of savings. As obvious as some of these seem to you, they clearly werent to me. Food alone never seemed like enough, but with all these other suggestions, it feels like there will be enough savings factoring in all these cost cutting measures. I appreciate all the kind words, and all the bluntnessx200B;EDIT 3: And so it begins -- begrudgingly switching my internet to a supposedly tax free package at 44.99month. Approx. 85 in savings -- good start so farAssistant: Get a roommate? Then you can probably clear all your debt from private bank in 1 yearHuman: I need to reconsider this. Came close a couple of times, but I kinda liked having my own space. Still, that would easily put hundreds of dollars back in my pocket each month. Thanks for the suggestion  <response>: Dude to be blunt, you need to make some sacrifices here. Get a roommate 