<prompt> Human: tl;dr No stable job, very small income, and big student loan payments. I am losing 560 a month and my bank account will soon be empty. What would you do?After 6 years in low-paying jobs I decided to go to college. I thought education was an investment for a better financial future and age didnt matter when it comes to improving myself. I took out student loans and graduated with a BA in business in May. Now I am 29 with 90K in student loans, and surprise! no full-time job or a career. I keep applying for marketingadmingeneralist jobs and do temp gigs here and there, but have no prospect for a stable job anytime soon.After several months I realize this may be my reality for a while longer. With my bank account shrinking rapidly, I want to regroup my finances and set myself up to survive for a 2-3 years with unstable income and loan payments. What I dont know is how. This is what I have: Student loans: Federal at 4.5 72K, monthly payment 746, privately held at 7.5 rate 18K, monthly payment 214 Cash: Down to 6K in checking account IRA from my pre-college life: 23K No other debt. I havent used credit card for several months. Monthly expenses: I can keep it under 800 for some time. Just moved back with my parents. Monthly income: Last month I made about 900 waiting tables, 300 tutoring ESL students. Assuming I lose 560 every month, should I consider withdrawing my IRA soon?I am scared, but I want to have a plan. What would you do if you were in my shoes, but with all the knowledge and experience you have?  <response>: Income based repayment. 