<prompt> Human: Hey everyone, looking for some advice on what to do now. Im a recent college grad with full-time graphic design position making 41k and a part-time job making roughly 6k. I have about 30k of federal student loans that are on an IBR plan, but another 30k with Sallie Mae. Unfortunately, my dad had bad credit when he co-signed for those loans, and my average interest rate across the five SM loans is about 10.5. So those monthly payments end up being 600. My question is, Sofi rejected me because I have a high debt to income ratio. I applied to Earnest as well but assume Ill have a similar response. What do you recommend I do now? Would I have better luck applying elsewhere? Or do I just need to suck it up and spend a year or two making monthly payments before re-attempting to refinance?Thanks in advance!  <response>: Spend a year making payments and keep an eye out for better jobs. Keep your resume up to date and apply places - even if you dont plan on taking a new job. That keeps you relevant and their offers will keep you up to date on how much you are worth on the open market. And if you find yourself with an offer that is a significant raise...then boom. 