<prompt> Human: I attended a private university for computer science. I graduated around 32K in debt last May. I made a plan to pay off my debt in three years max. Since then, I paid it down to 20K also while buying a car. My salary is around 53Kyear it was 49Kyear but I just got a raise and Ive been putting pretty much all my spare cash toward repaying my loans. These loans are all 5 interest or less.A few weeks ago, my roommate got engaged and decided she wants to move out. Thats fine, but I cant afford our 1200month utilities double by myself and dont think I will be able to find someone to fill her space in our apartment before the lease ends in May. Right now I pay 600 in rent, plus 100-120 in utilities. Single apartments in the area nice town out of Cleveland are around 1000month utilities, so Ive already been stressing about the cost of living going up.It gets worse.A few days ago, my mom admitted financial hardship and told me I would have to take on the loan she took out my freshman year. They havent paid anything on it and the interest has blown up. Presently, its at 18.5K. Interest rate at 7.25. My mom has been hiding this loan from my dad and claims shell pay it when she has the money, but I know unless she starts shitting out money there is no way shell just happen upon all that money to pay for it. Minimum payment is like 250.Ive become incredibly depressed the past few days and doing the math Im not sure I can afford to make these new payments if my rent goes up as high as Im anticipating it to. I cant move back home as it is too far away from work. Im also just stressed in general because I really wanted to travel Ive never had the opportunity to in my life and was considering trips in the next year or so with friends that now itll be impossible for me to afford if I want to keep my life on track.Im not sure what to do. Is there a way I can get a better interest rate on these newly inherited loan? Still in my parents name. I think I need to get a second job. Is this a bad idea, and will it hurt my taxes to have a part time job on top of a full-time job? Im under the impression that my tax liability goes up when you get a second job so they take more tax out but I could be wrong, I know nothing about taxes. Im hoping I can find a part-time job that can build my tech skills and diversify my resume so Im not just selling my soul for money but actually getting something else out of it.Im just really lost as to how to handle this and incredibly depressed about it. I wouldnt have gone to the school I did if I knew this extra debt would fall on me. Ive already had a hard time mentally accepting the debt I did start with and was only just beginning to accept it. I dont know what to do.Assistant: Moms debt is her problem. When you have kids paying for college is one of the things you sign up for. Im not sure which city in America has the highest tech salaries but it sure aint Cleveland. Id move where the best jobs are.Human: My company is also on the low end of pay for software developers in Cleveland. Ive been thinking about that a lot lately unrelated to all this and have started keeping up my linkedin and doing more learning outside of work. I had been thinking Id stay another year before moving on, for a couple of different reasons. One of them being close to my support network while Im still in debt.  <response>: Dude where the hell in Cleveland are you?? I rent a nice ass duplex 4 bedrooms for 900month. Im not sure if youre in the Flats, Downtown, Lakewood, Shaker, Mayfield, or Beachwood or Ohio City or what, but there are cheaper options available, including house shares renting a room. Seriously I rent the extra two bedsrooms in my place out for 300month utilities included. You have options you just need to start exploring them stat. Also dont touch that loan if its not in your name. Its not yours to pay and you arent legally responsible for it. Sounds like your mom was hiding it? Thats on her, not you. 