<prompt> Human: As the title says, I am way over my head. I have eight loans, one from Wells Fargo, six from the state of NJ NJClass, and one Federal. I make 40,000 a year as an Engineer. What should I do? I currently take home 600 a week, and Wells Fargo wants 380 a month, the Feds want about 400 a month, and New Jersey wants 1200 a month. Woo hoo.I should consolidate my loans somehow. I cannot combine the Federal loans with anything else. Loan forgiveness is not an option with New Jersey. What can I do to lower my monthly payments? I know if I consolidate then do a 30 year plan I will end up paying a LOT, but then I can afford to live.Lottery? Heisenberg? Work in Saudi Arabiamildly serious?Suggestions? also, sorry if I am breaking rules modsThanks!  <response>: Civil engineers earned a median salary of 80,770 in 2013, according to the BLS. The highest-paid 10 percent in the profession made 126,190, while the lowest-paid earned 51,810 in 2013.I would up the new job efforts. 