<prompt> Human: Hey all,So here is my situation:Im 27 years old, making 120k plus bonuses. I am currently living in NYC, where my rent and utilities are 1300 a month. I went to a private art college and needed a bunch of privatefed loans to make it work. Currently, I owe about 200k to Navient and another loan provider. My parents were not able to pay off any of the interest while I was in school so it just sat there, growing larger and larger. I have 5 different loans in Navient alone some of which are at a 12 interest rate. With the current amount I am paying now 1000 a month I am barely touching the principle balance. I looked into SOFI to consolidate but they are looking for payments of 2300 a month, and I dont think I can swing that. What other options do I have to get out of this mess? Like I said, I went to art school...I know nothing!  <response>: You make 120k and your rent is 1300. Unless you are experiencing extreme lifsettle inflation there is no reason you cant afford 2300 a month on a loan. 