<prompt> Human: I think the title pretty much says it all. I just graduated in August with a degree in criminal justice. Im hoping to enter into Law Enforcement, but for now I work full-time making about 34,000year. Im pretty much blind going into this student loan debt repayment, as my mother who initially walked me through this, passed away last year. I figure that the best way to get advice is to give a breakdown of what I owe, and then what my monthly finances look like.DEBT:Credit Cards: 636 Im planning on paying this off with my tax returnsComputer loan: 1830 Stupidly bought a computer after I graduated and took out a loan for it D: Car Loan: 24,788 Rode previous car into the ground and purchased a new one... D:Federal Loans: 28,037.28Private Loans: 83,591.96 I believe this number is after interestMONTHLY BILLS:Credit cards: 125 across 4 cardsComputer: 50Car: 400Insurance: 90WHAT MY LOANS WANT ME TO PAY:Federal Loans: Initially it was 292month, but I had them adjust it based on my income so its now 130.Private Loans MEFA: They want me to pay 1,015month, which I cant afford, so I called and they dont offer income based repayment. They do offer a 2 year modified payment plan, where youll pay:25 of 1015 for 6 months50 of 1015 for 6 monthsand then 1 full year of interest.Im completely overwhelmed and I need advice. SHould I look into consolidating the private loans elsewhere? If so, what are the pros and cons with that?Honestly any help is appreciated...  <response>: You make 34k per year.After paying off your credit card debt, you will have 138,246 in debt, which is just over 4X your annual gross income.Im not going to pull punches here. You are in a very bad position. The only way out is to make a lot more money.Selling the car will help, and you should definitely do that, but it will still leave you in debt over 3X your annual income.Regarding loan consolidation, I dont know who would qualify you for anything with that income to debt ratio. You should definitely try, but Im not sure youll have much luck. You will need to find a low rate and some kind of income-based repayment plan, which are rare outside of Federal loans. Do not consolidate your Federal loans with your private loans; you will lose the Federal loan features like hardship deferrals, which you definitely need.I hope you arent holding out in your low-paying job while you wait for a career opportunity in law enforcement. Depending on where you live, those jobs can take a while to get. You need to be looking now for anything that pays better. If a law enforcement job comes along, go ahead and take it. But you need to make an effort to earn more until that happens, even if that means taking a second job. 