<prompt> Human: Ive been struggling to work and pay off existing student loans for the past 7 years since not being able to finish my last semester at Texas AM due to financial difficulties. I had taken out some emergency tuition and fee loans to cover my last year, and my financial aid never came through to pay it off. When I couldnt pay back the loans I was dropped from my classes and told that I wouldnt be able to register for more classes or transfer my transcript until I paid the loan in full.Here we are 7 years later and I have worked my way up to a retail store manager position without a degree. Im making 65kyr in the SF Bay Area, and I can barely keep up with everyday bills rent, car, insurance, student loans let alone save up to pay off my university. My credit is also pretty much shot due to the loan with Texas AM having been in collections for 7 years. So getting money to pay of the loan has been pretty much impossible. Heres hoping that I finally get a bonus this year? lol  <response>: Im making 65kyr in the SF Bay Area, and I can barely keep up with everyday bills.Can you post your expenses? People get by in SF with a lot less than you make now. The per capita income is 50k, and youre making 15k more than that. Its probably possible for you to save that 12k in a year or so if you give up some conveniences. 