<prompt> Human: I went to college straight from high school and couldnt afford it. My parents were bad with money and hadnt filed their taxes in years, so I couldnt fill out FAFSA and get aid. I didnt do too well in high school so I didnt even bother with scholarships. To be able to attend college I took out loans that were cosigned by my grandfather, who is now dead. I took out 31,698 in loans for my first year away at my dream college that stand today as follows:18,273.19 7.5 184.26 a month payment8,755.49 9.5 155.47 a month payment2,681.39 3.15 34.27 a month payment1,762.29 6.55 25.87 a month paymentThats 31,472.36 total, paying 399.87 a month, which my mom takes care of. Last year she paid over 4k in interest alone. I have a job that pays 13hr and I usually work 30 hours a week. After taxes it comes out to about 1,120 every month. I live with my parents and they pay for everything, my expenses are only my cell 48.77month and Netflix 9.99month. I used to have around 3k in CC debt that I worked to pay off completely. My circumstances are that I only have 14 college credits; most of my credits at the dream school didnt transfer to the community college I attended after I came to my senses. My ambitions are to finish at the community college, transfer to a cheap state school, then go to graduate school for social work and get an LCSW. Im not sure if Ill be able to do all of that realistically because I have a serious mental illness thats pulled me down a lot in the past. However I am able to work, while most of the people who have what I do arent able to work, and I did have top marks in college. Im not sure that Id be able to handle the stress of working and going to school, I feel barely able to do one at a time and still manage to pull good gradesnot get fired. Im on Medicaid due to income level, so my 900 in medspsychiatrist visits are covered completely. The cut off for this assistance is 23,400 year. My therapist suggested that since I never filled out FAFSA and payed higher as a result I should contact my old school or LegalZoom and see if they can retroactively reduce the total loan amount. I think thats crap advice but I figured Id mention it anyway.What do I prioritize here? I want to pay down the highest interest rate loan first, or at least more aggressively than the others. I also want to go back to school but now seems like a bad time. Im not happy with be saddled with debt, not even having an associates, and depending on my parents who are getting older and dont have life insurance yet. What do I do?I will answer any questions you have for me.  <response>: I believe at 25 you automatically roll off needing your parents tax data. You may be able to reapply for fafsa at that time. It sounds like your family is poor. I recommend against social work. It doesnt pay very well mediocre. In fact it pays down right crap for the amount of education and time you spend doing it.You may not like it, but look into majors which will make you more money. Health care, STEM or a trade or something. You can look at the bureau of labor statistics occupational outlook handbook for a broad description of possible jobs and what education it takes to get there. 