<prompt> Human: Hey all. I just graduated with my masters in Occupational therapy, a good paying career with great job outlooks. It was a 3 year program that I paid all through loans and even living loans since it was full time. 35K is from my undergraduate degree still. I also went credit card crazy likely to deal with stress and used them to travel when I could. I am now looking for my first job and feel like I could suffocate any minute. Looking for advice on ideas for loan consolidation, savingliving frugal tips, making extra money, investments... anything. I have a hefty goal of paying those off in 4-5 years if I change my lifestyle and continue to either pay cheap rent or even no rent at all by travelling. I am not looking to get in one of those 25-30 year repayment plans since by the end of that I will end up paying 350K back due to all the interest. I have always been resourceful in terms of cheap living arrangements and doing odd jobs for money. But obviously I have a history of spending way beyond my means, hence the credit cards, roughly 8k in credit card debt. I dont doubt having a good job with great pay, especially if I do travel therapy where you have increased salary and also housing is paid for. I have looked into Sofi for consolidation but was instantly denied. My loans are through Great Lakes Borrower. My parents were not great with money and did not necessarily provide guidance in terms of different choices I should have made or different ways of going about obtaining the same degree with far less debt. Feels like I am starting from the bottom, and now Im here ; Thanks guys! Assistant: Looking for advice on ideas for loan consolidationPlease list for each loan the type of loan you have federal, private, or if it is actually in your parents names, the interest rate, the total amount borrowed, and the minimum payments.a good paying career with great job outlooks I dont doubt having a good job with great pay, especially if I do travel therapyBut you dont have a job right now? What is going on with your job search? Have you started, are you in the interview stage, have you sent many resumes out with no response?What are you doing right now? How are you currently paying for your living expenses? Human: I just graduated and am studying for my board exams to be licensed, which you cannot get a job until you are licensed. Like a medical Dr or PT or anything in the medical field really. I am working at a local brewery right now and babysitting. I have job prospects once I can show them I passed my boards. They are al federal loans and all in my name. Direct unsubsidised Stafford loans total: 108,800 Interest ranges from 3.8-6.8. Direct grad PLUS loans in my name totaling 47,000 currently. Interest rate is between 6.3 and 7.5. According to Great Lakes right now my minimum payment is 1806. That is without choosing income based repayment or any type of alternative plan. Assistant: I also can consider working for a non-profit for 10 years and after making 10 years of income based minimum payments then the rest would be forgiven. However even if I only pay 1000month, I still end up paying 120k in the end of ten years and I may as well just pay the full 150K in half the number of years to reduce mental stress of knowing I owe money.  <response>: While I applaud you for considering repayment right now, consolidation is not something that will possibly happen right now. The reason SoFi denied you, and the reason most will deny you, is that you are not employed right now. All you have is a theoretical income and they wont lend you money based on that. So shelve that until you have a job and money coming in before trying that again.Because you have no job and so many potential options settle down in one place versus travel therapy, PSLF vs private practice it is difficult to try to chart out a path forward. All of those options will change the advice you get.But if your primary goal is to be relieved of the stress of the loans as quickly as possible, then the advice will be to take the highest paying job you can, live as lean as you can either your travel job pays for rent or else look into studios or shared apartments, and put as much as possible towards the student loans.Since you know you have a problem with credit card spending, it is also a good time to look at certain behavior modifications to help you as you develop your will power to resist that temptation. That could mean that you never take your cards out with you when you leave the house if you are not leaving the house with the specific intention to buy something, shopping only from a grocery list that you make before you leave the house and not deviating from it, deleting your card details from any online shopping places you frequent, even deleting Amazon Prime if its ease and quickness leads you to buy things on impulse. What specific behavior mods you need to do will depend on your own current lifestyle and temptations you face. 