<prompt> Human: In brief: I completed an undergraduate major with little earning potential and leveraged my job to earn a graduate degree they covered half in a different field. Professionally, it was a relatively smooth transition. My debt is a mix of federal and private. Federal debt was easily worked out and Im making affordable payments within my means. Private lender wants my blood in a bucket. I always pay what I can every month though it is severly below the minimum. Question: What recourse do my private lenders have beyond credit whacking? Not that my credit is an acceptable victim, but can anything be done since its unsecured debt?  <response>: They can garnish your paychecks I believe.Serious question: How do you have a graduate degree that was 50 covered, and yet your income still cant even cover minimum payments on your loans? You need to post up incomeexpenses. This is probably more of a budgeting problem than a not enough money problem. 