<prompt> Human: Hey PF - Ive been reading here a bit recently and researching student loan repayment options using Google, Great Lakes website, and finance blogs. I finished grad school in a worthless liberal arts degree and lost two of the three jobs I had. Grace period is over and the first payment is looming.Part of me just wants to ignore it and hope it will go away, but I know Uncle Sam would never allow it...So Im looking for advice on creative and aggressive methods of paying back my loans ASAP. I cant stand the thought that on a long term repayment plan, I could still be paying for my education while my kids are in college.The good news is, I live as excessively frugal as I can and have been doing so for years. Even though I only make about 15kyr Ive been able to save up about 40k during college. I owe about 50k total. Ive got 20k in stocks index funds and 15k in money market. 5k in checking. My gut plan is to take the 15k and send it straight to Great Lakes. However, the problem is, unless I pay a massive amount now from savingsstocks, I literally have NO income to make payments on a monthly basis - but at 6 interest paying 15k now takes over 8 years off the loan. Ive been messing around with mechanical turk and doing everything I can to get gigs for the summer artist. Does anyone have creative money ideas - like putting the 15k in investments and using profits to pay the loan on a monthly basis.If you were in my position - had 50k loan, 40k savings but only enough income to live hand to mouth - what would you do?Any smart ways to make the money work for me?Getting a bank loan at a lower interest rate and paying the student loan with it?Basically anything short of selling a kidney...  <response>: Any bank loan you get will be at a higher interest rate. Any investment that would pay enough to use the gains to pay the loan are unreliable at best. You can try an income based repayment plan if you have federal loans, but the only long term solution is finding better paying work or working more hours. 