<prompt> Human: The loans sort of snuck up on us and were just not prepared for them. I realize we should have been better prepared and I really wish we were, but here we are and we just dont know what to do. Suddenly we are presented with a payment if well over a thousand dollars and we just cant afford it. Any advice or anything you have to offer my situation is greatly appreciated.edit - Thanks for everyones constructive replies. I realize I dont have a lot of details here and thats largely due to the fact that I am now taking charge of the loans rather than relying in second hand info and getting into the nitty gritty. The end if it is my wife didnt make good choices when it came to school and she knows that now, but obviously cant change whats done. Like most kids picking a college she never stopped to think what picking her specific college could do to her long term future. For those interested she got her first degree in radiobroadcasting which is not a good idea if you want to make a living. She then went back to school for teaching and again for teaching special ED. Mistakes were made and now were just trying our best to get through them.  <response>: You havent provided anybody with enough information to give any specific advice on.Read the wiki, make a budget, increase your income, reduce your expenses, look into IBRPSLF if applicable. 